Business Details
About
Loan Agency
easyfinancial in St. John's provides a better option to expensive payday lenders. If you've been turned down by the bank, we will help you get the personal loan you need. Fast, convenient access to cash when others won't approve.
Location
Hours
Reviews
5.0
32 reviews
5 stars
31
4 stars
1
3 stars0
2 stars0
1 star0
- BFByron FisherNov 25, 20225.0I've had a great experience with easy financial, the employees are very polite, friendly and accommodating! I would recommend easy financial to anyone!
- MMMichaelJul 23, 20225.0Byron went above and beyond to help me out in a stressful time , exceptional customer service. Friendly and fast . 100% recommend
- RSRanvir SinghDec 27, 20215.0Thanks to easy financial for support. Guy name Mahir. Hi is awesome, we had a great experience with him. Thanks again.
- SMSharon McCJul 28, 20215.0Byron is fantastic to deal with. Expect higher interest rates however timely payments will increase credit rating.
Frequently Asked Questions About easyfinancial Services
What is the difference between a Personal Loan and a Home Equity Loan?
A Personal Loan allows you to access funds without having to provide any collateral to secure the loan against. easyfinancial Personal Loans have rates starting at 29.99% and loan amounts up to $20,000 with no fees or pre-payment penalties. A Home Equity Loan requires you to secure your loan with collateral such as a home. By securing your loan, you can access higher loan amounts up to $75,000 and lower rates as low as 14.99%.
What documents are needed to get an approval for a Personal Loan?
We require the following documents: 1. Two most recent pay stubs 2. Last 90 days of banking information 3. 1 recent bill addressed to your current home 4. A piece of non-expired government photo ID
What are the minimum requirements needed to qualify for a loan?
The minimum requirements to qualify for a loan are: 1. Age – depending on the province, the minimum age is either 18 or 19. 2. Employment Status - Your employment status must be full-time, part-time, self-employed, seasonal, maternity leave, retired (pension), or disabled. A customer’s employment status cannot be social assistance (i.e. welfare) or unemployed (EI) (unless the EI income is a result of maternity leave or a seasonal layoff). 3. Residency status - A customer must be a Citizen of Canada or a Resident of Canada whose status is Permanent Resident, Work Permit, or Foreign Student for at least 6 months. A customer whose Residency Status is Visitor or Other is not eligible for a loan. 4. Minimum Income - A customer must have a minimum monthly net income of $1,200 of which $1,000 must be full-time, part-time, self-employed, disability or pension.
What types of loans does easyfinancial offer?
easyfinancial offers personal loans, home equity loans, car loans, installment loans, auto loans, retail financing, and small business loans.
What are the main differences between a Personal Loan and a Home Equity Loan at easyfinancial?
A Personal Loan requires no collateral with rates starting at 29.99% and loan amounts up to $20,000. A Home Equity Loan requires collateral like a home, offers higher loan amounts up to $75,000 and lower rates as low as 14.99%.
What documents are required to apply for a Personal Loan?
You need two most recent pay stubs, last 90 days of banking information, one recent bill addressed to your current home, and a non-expired government photo ID.
What are the minimum requirements to qualify for a loan?
You must meet age requirements (18 or 19 depending on the province), have acceptable employment status, be a Canadian citizen or permanent resident for at least 6 months, and have a minimum monthly net income of $1,200 with $1,000 from eligible sources.
What are the operating hours for easyfinancial Services in St. John's?
The branch is open Monday to Friday from 10:00 AM to 7:00 PM and Saturdays from 9:00 AM to 5:00 PM, closed on Sundays.
How can I contact easyfinancial Services in St. John's?
You can call their main phone at +1 709-800-4378 or email them at branch2955@goeasy.com.
Where is easyfinancial Services located in St. John's?
It is located at 45 Danny Drive, Unit 83, St. John's, NL, A1H 0N4, Canada.
Are there any coffee shops near easyfinancial Services in St. John's where I can relax before or after my visit?
Yes, nearby coffee shops include Starbucks and Tim Hortons, perfect for grabbing a coffee before or after your appointment.
What travel services are nearby easyfinancial’s St. John's location that I could also visit?
Nearby travel services include YouKen Travel, Expedia Cruises, Explore with Brenda Rowe - Travel Agent & Vacation Specialist, and Travel by Lori, which you might find useful for vacation planning after your loan consultation.
Are there nearby dining options around easyfinancial Services in St. John's?
Yes, you can find several dining options like Dagwoods La Sandwicherie, Five Guys, Pizza Hut, and A&W close to the location to enjoy a meal before or after your visit.