Good Credit Matters

Improving your credit can help you get approved for lower interest rates, which can save you thousands of dollars.

Personal Loan
  • Amount: $1,500
  • Duration: 18 Months
Poor Credit (Quick Cash Loan)
Interest Rate 400% (14 day)
Weekly Payment $1,730
Total Interest Paid $230
Fair Credit
Interest Rate 34.99%
Monthly Payment $108
Total Interest Paid $449
Good Credit
Interest Rate 9.99%
Monthly Payment $90
Total Interest Paid $121
Save $8,159 On interest over 18 months
Auto Loan
  • Amount: $20,000
  • Duration: 60 Months
Poor Credit
Interest Rate 29.99%
Monthly Payment $647
Total Interest Paid $18,817
Fair Credit
Interest Rate 14.99%
Monthly Payment $476
Total Interest Paid $8,542
Good Credit
Interest Rate 6.99%
Monthly Payment $396
Total Interest Paid $3,756
Save $15,061 On interest over 60 months
Mortgage
  • Amount: $450,000
  • Duration: 25 year amortization
Poor Credit
Interest Rate 9% (1 year)
Monthly Payment $3,375
Total Interest Paid $40,500
Fair Credit
Interest Rate 5.59% (1 year)
Monthly Payment $2,562
Total Interest Paid $25,155
Good Credit
Interest Rate 4.59% (5 year)
Monthly Payment $2293
Total Interest Paid $20,665 (First year)
Save $19,845 On interest the first year
Values are illustrative of each respective credit tier. Actual rates may vary.
Great Place To Work Certified
Products

License: #349123

Spring Financial Inc. provides loans up to $35,000 with interest rates ranging from 9.99% to 34.95%, and APRs ranging from 9.99% to 35.00%, with terms from 6 to 84 months. Your actual rate will depend on a variety of factors such as your credit score and the loan amount.

An example of borrowing costs paid on a $5,000 loan with a 48 month term at 9.99% APR is a Weekly payment of $29.17, with the total repayment amount of principal and interest being $6,066.48 and the total cost of the loan (interest only) being $1,066.48.

To qualify for The Foundation, you must have an active account with a bank or financial institution, as approved by Spring Financial, and a valid government-issued Canadian ID. The Foundation is available in all provinces except Saskatchewan and New Brunswick. Results from The Foundation depend on the individual. All guarantee references are made in connection to the Evergreen Loan. To qualify for the Evergreen Loan, you must first successfully complete 12 months on The Foundation and save $750, have an active account with a bank or financial institution, as approved by Spring Financial, and a valid government-issued Canadian ID.

Spring Financial Inc. is headquartered at Suite 600, Two Bentall Centre, 555 Burrard Street, Vancouver, British Columbia, Canada, V7X 1M8

Copyright © 2025 Spring Financial Inc. All rights reserved.
Spring Financial Inc. and its loans are not affiliated with any credit bureaus.
Privacy Policy | General Terms | Website Terms of Use | Help Centre