Trusted by Canadians for fast, fair, and simple financing.
When you have an unexpected expense, waiting isn't an option. EasyCap provides fast online loans for Canadians. Get the funds you need without a traditional credit check holding you back.
Disclaimer:
Note that this is a simulation includes payment of capital and interest. Fees might be added depending on multiple factors. Please read your contract carefully and make sure to understand all terms.
Since our loan terms always surpass 62 days, we are not considered a payday lender and do not need a payday license in any province.
Our administration fees comply with Canadian law and are transparently disclosed in the binding contract between the lender and borrower.
Our APR, consistently below 29%, meets all Canadian provincial regulations. Therefore, a special lender’s permit is not required.
Juggling multiple credit card payments was a constant source of stress. I used
EasyCapto consolidate everything into a single, manageable loan with a lower interest rate. For the first time in years, I feel in control of my finances. The sense of relief is immense.
Our kitchen was in desperate need of a renovation, but we didn’t want to drain our savings. The process with
EasyCapwas incredibly straightforward and transparent. The interest rate was fair, there were no hidden fees, and we could manage everything from our online dashboard. We finally have the kitchen of our dreams!
I needed capital quickly to purchase new equipment for my workshop, and the traditional bank process was far too slow. With
EasyCap, the online application was finished in minutes, and the funds were in my business account in under 48 hours. It was a complete game-changer for us.
We believe in being completely transparent. Here you’ll find clear, straightforward answers to our most common questions. If you don’t see what you’re looking for, our customer support team is always ready to help.
A payday loan is a short-term, high-cost loan, typically due on your next payday. Please note that our services are focused on installment loans, which offer longer repayment terms and are generally more manageable than traditional payday loans.
We may report payment history to credit bureaus. Timely payments can help build a positive credit history, while late or defaulted payments can have a negative impact. In cases of prolonged non-payment, accounts may be passed to a third-party collections agency.
An amortization schedule is a table that details each periodic payment on a loan. It shows how much of each payment is allocated towards the principal balance and how much is applied to interest, providing a clear picture of how your loan will be paid off over time.
No, our loans do not renew automatically. Once you have paid off your loan in full, your account is considered closed. If you require additional funds in the future, you will need to submit a new application.
To be eligible for a loan, you must be of the age of majority in your province, be a Canadian resident, have a steady source of income, and have an active bank account. Other conditions may apply and will be outlined during the application process.
If you anticipate having trouble making a payment, please contact our customer service team immediately. We can discuss potential options to help you get back on track. Uncommunicated missed payments may result in additional fees and could negatively impact your credit score.
Certainly. For a $1,000 loan with an APR of 29.9% over a 12-month term, your approximate monthly payment would be $97. Please note this is an example, and your actual terms may vary. You will receive a detailed payment schedule upon approval.
The Annual Percentage Rate (APR) varies depending on the loan amount, the repayment term, and your individual financial profile. All applicable rates and fees will be clearly disclosed in your loan agreement before you are asked to commit. We believe in full transparency.
You are in the right place! Our platform is designed to provide a fast, simple, and secure online loan application process for Canadians. Most applications are reviewed within hours, and funds can be deposited as early as the next business day upon approval.
You can apply for a loan whenever you need one. However, if you have recently been declined, we recommend improving your financial situation before reapplying. Each application is treated as a new request and is subject to our standard verification process.
