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Terms and Conditions

easyfinancial Services Inc. ("easyfinancial") collects personal information, including your name, address, telephone number, social insurance number, income and other financial information, banking, vehicle, and reference information to, among other things, confirm your identity and qualify you for the services for which you have applied. For example, financial information about your income and expenses including housing costs will assist easyfinancial in determining whether you qualify for our loans. From time to time, easyfinancial may share this information with its subsidiaries as well as third-party collection agencies whom we engage to assist us in the collection of bad debt or to agencies that acquire bad debt.

By completing this form, you consent to being contacted by one of our representatives regarding our products and services. Also, by way of this form, and in accordance with our Privacy Policy, you consent to easyfinancial using your personal information for the purpose of confirming your identity, determining whether you are eligible for the services for which you have applied to, and for any other purpose necessary to manage and operate easyfinancial's business and which are identified in our Privacy Policy.

Your third-party references cannot live at the same address as you and at least one must be a family member and all must be people you speak with regularly. Personal information about your third-party references is also collected. By completing this form, you acknowledge that you have obtained consent for the collection of such personal information from your third-party references.

The following documents will be required to process your loan:

  • Completed Loan Application form;
  • Two (2) Copies of last pay stubs;
  • A statement showing last 30 days of banking transactions;
  • Recent phone bill (from the home address listed on application);
  • Copies of two (2) pieces of ID - Government issued with photo and signature; and
  • Lease Agreement, Rent Receipt, proof of mortgage, or a signed statement from someone you are living with.

I certify that the information provided on this form is correct. I authorize verification the information that I have provided, including use of a Consumer Credit Report for the purposes stated above and identified within our Privacy Policy. easyfinancial may contact any person or company listed on the previous page and I fully release all parties from liability for any damage that may result. I confirm that I have given my consent for easyfinancial to verify the information that I have provided and to contact the references I have listed on the previous page.

By submitting an online application for a loan with easyfinancial, I agree that the information I have given to easyfinancial on this application is complete and accurate. I agree that I have read and consented to our Privacy Policy. I consent to, and accept this as written consent to authorize easyfinancial to contact my employer to verify my employment and to obtain a copy of my credit report from one of the Canadian credit reporting agencies.

Please Read Before Signing: As a condition of easyfinancial lending me money based on the information provided above, I make the following representation: I am not contemplating filing for bankruptcy within the next four (4) months and have not consulted with an attorney or trustee concerning bankruptcy in the last two (2) months.

Please note that easyfinancial does not currently lend to or solicit business from U.S. residents or residents of countries other than Canada. Please note that easyfinancial never requests a security deposit in exchange for processing a loan. Should you receive any such calls or requests, please contact our support centre at 1-888-512-3279.

To protect both you and us, we use services provided by a third party to help decide whether to accept transactions from personal computers, mobile phones, or other devices. The third-party service checks whether these devices have been identified with fraudulent or abusive transactions in the past, such as reported instances of identity theft, account takeovers, or malware attacks. For this purpose, a cookie file, flash storage token, or other code file may be placed on your device to identify it in the future when you visit our website or connect with our applications. On connection with our site or service, we will transmit that device identification code to the third-party's server, along with data concerning certain technical attributes of your device such as the model, operating system, and browser version, as well as the IP address, all of which are used to confirm device identification. The third-party's server responds with a code recommending that transactions be accepted, denied, or reviewed, according to settings we have selected. We also report to the third party if we conclude that a device has been used in connection with a fraudulent or abusive transaction with us. If you set your browser or device to reject these cookies or tokens, you may not be able to conclude some transactions through our website or application. We share with the third party referenced above only information about the device you are using, which may also have been used or appropriated by others, and do not identify you or reveal the details of your transaction to that third party. If your requested transaction is declined, or if you have questions about our use of a "device reputation" service, please contact Customer Service.