Online loans: one 100% digital application, multiple offers
An online loan is an application done entirely on the web: no paperwork, no appointments, no bank lineups. With eazyloan, you fill out a single application in a few minutes, and we present it to our network of licensed partner lenders across Canada. You receive several offers to compare, you choose, or you take none of them.
eazyloan is not a lender: it is a comparison service. Verification is done by Instant Bank Verification (IBV) on every request, not by a credit-bureau inquiry, so looking at your offers does not affect your score. Amounts from $300 to $1,500, funding by Interac e-transfer.
- Free
- No obligation
- No paperwork, no meetings
Approval not guaranteed · terms set by each partner lender
How the online application works, step by step
1. You fill out the form. A few minutes, online. No paperwork, no appointments.
2. You get the decision. Instant IBV verification, no impact on your score.
3. Approved? Interac e-transfer. Often within minutes, during the lender's business hours.
You stay in control at every step: partner lenders verify every request by IBV, and the decision rests on your real income and banking activity, not your credit score.
How much can I borrow online?
Between $300 and $1,500, depending on your file and the partner lender assigned to you. For a larger amount, this is not the right product: eazyloan focuses on small-to-mid fast loans.
What does an online loan cost?
The cost is set by the partner lender. The APR ranges from about 9.99% to 35% depending on the lender and your file.
Representative example: a $500 loan repaid monthly over 9 months, at a representative APR, may result in 9 payments of $81.15, for a total repayment of $730.35 (may include optional lender loan protection). Independent information: Office de la protection du consommateur (opc.gouv.qc.ca).
Is it an online loan with no credit check?
Yes: verification uses IBV (bank verification) on every request, not a credit-bureau inquiry. Details on our no credit check loans page. For the speed angle, see fast loans.
How fast do I get the money?
An application approved during business hours is usually funded by Interac e-transfer within 60 minutes. Outside hours, the transfer leaves the next business day.
Is it safe to apply for a loan online?
Your data is protected and your connection is encrypted. eazyloan works only with lenders that comply with applicable Canadian laws and regulations. eazyloan never asks for an upfront payment and charges no fee to forward your application: such a demand in our name is fraud. Also be wary of "100% approved" or "no refusal" promises, which are often a scam script.
What if I pay late?
Contact your partner lender quickly. A returned payment for insufficient funds carries a fee of about $45 (depending on the lender). Non-profit credit counsellors can help (Credit Canada, Credit Counselling Canada).
100% online. Multiple offers.
Apply for your online loan in minutes, anywhere in Canada. Compare multiple offers, choose the best one, or take none of them.
Approval not guaranteed · terms set by each partner lender
Legal notice & disclosure
Advertiser disclosure
When you apply on eazyloan, our site refers your request to qualified partner lenders authorized in Canada who can assist you. eazyloan may receive compensation from the lenders whose offers appear on this site. Nothing on this site constitutes financial or professional advice. Your data is protected and your connection is encrypted.
Disclaimer
All loans are subject to lender approval and each lender's specific criteria, including Instant Bank Verification (IBV). eazyloan is a loan search and comparison platform; eazyloan is not a lender. eazyloan works only with lenders that comply with applicable Canadian laws and regulations.
Loan details
Loan amounts typically range from $300 to $1,500, with repayment terms from 3 to 12 months or longer, depending on the lender. The annual percentage rate (APR) ranges from roughly 9.99% to 35%, depending on the lender and their assessment of your file.
No upfront fees
eazyloan never asks for an upfront payment and charges no fee to refer your request. If anyone demands an upfront payment in our name, it is a scam: do not pay, and report it.
Representative example
For illustration only: a $500 loan repaid monthly over 9 months at a representative APR may result in 9 payments of $81.15, for a total repayment of $730.35. This example may include optional loan-protection coverage offered by the lender. If a payment is returned for non-sufficient funds (NSF), a fee of approximately $45 may apply (depending on the lender). In the event of default, your payment plan may be terminated and collection procedures may begin in accordance with applicable laws; outstanding balances may be pursued to the full extent permitted by law. Our partner lenders follow fair collection practices.