EasyCap
How Do Our Personal Loans Work?
Get your personal loan within 24 hours without a credit check or document submission. Why is it so fast? Because we use IBV, Instant Bank Verification, to access a 90-day transaction history. This statement allows us to confirm your income and verify that your outstanding payments do not exceed a critical number. Thanks to this system and a straightforward loan application form, we can approve your request in less than an hour and then send you the amount via Interac e-transfer on the same day. No questions will be asked about the reasons motivating your request. Whether it's a project or an unexpected expense, your request will be processed in the same way.
Our Admission Criteria
Our Admission Criteria
Additional Information
Loans are repaid in 4 to 27 payments. You commit to settling the amount due by respecting the deadlines, failing which the following may occur:
NO CREDIT CHECK
Our loans do not require a credit check due to the relatively low amounts offered by EasyCap. As a result, your credit score will not be impacted by your application, which means your loan cannot lower your score. Similarly, you cannot use it to improve your score. The fact that we don't ask for a credit check doesn't mean we don't perform verification. We use IBV (Instant Bank Verification), a secure and confidential system supported by banking institutions, which allows us to view transactions made in your bank account over a 90-day period preceding your application.
Non-Sufficient Funds (NSF) Fee
A fee of $50 may be charged in case of non-sufficient funds.
Late Payment
In case of late payment, administration fees will be $35.
Default in Payment
Your file will be transferred to the collections department in case of default in payment. Additional fees may be added to your account.
Payment Agreement
Monthly payments will vary based on the risks associated with your loan. A third-party company may act as a guarantor based on this risk.
Collections Department
Debt Recovery
The collections department will contact you in case of default in payment to arrange an agreement.
Recovery Charges
All legally associated recovery fees will be charged to the borrower's account.
Testimonials
Sophie
My loan was approved in less than half an hour! For a first experience, it's impressive! I will not hesitate to use their services again. Finally, a financial company that keeps its promises and invests in my future! 🌟
Robert
An amazing team offering quality, efficient, and expert service. Thank you so much for your trust, it deeply touches us.
Benoit
Strengths: Expertise, great value for money, speed. They are always attentive, no matter the urgency or the time! The loan rates are very competitive, especially after comparing with other options. 😉🙃👍🏻 Thank you EasyCap.
Patrick
Exceptional service, I highly recommend it!
Sylvie
Hassle-free, convenient, fair, and courteous.
Vickie
Good service and respectful. ❤️