easyfinancial – Personal Loan

easyfinancial is a division of goeasy Ltd., a publicly traded Canadian financial services company (TSX: GSY) and one of the country's largest non-bank personal lenders. Founded in 2004, easyfinancial operates over 400 branches across Canada and offers online lending nationally, serving Canadians who have been declined by traditional banks due to poor credit, limited credit history, or past financial difficulties such as bankruptcy or consumer proposal. The company has helped over one million Canadians access credit and rebuild their financial standing.

easyfinancial offers unsecured personal loans from $500 to $45,000 with terms from 9 to 84 months. APR ranges from 9.99% to 34.99% annually. Applications can be submitted online (with an answer in minutes) or in a local branch. Approved borrowers can often receive funds the same day via Interac e-Transfer for online applicants or cheque for in-branch applicants.

goeasy Ltd. is a federally incorporated public company, and easyfinancial is licensed as a consumer lender in all provinces where it operates. The company reports all loan payments to Equifax and TransUnion, making easyfinancial a genuine credit-building option as well as a lending product. If you are using easyfinancial to rebuild credit, focus on making on-time payments and paying off the loan early if possible to reduce total interest paid.