Personal Loan

Easy, stress-free borrowing.

Get a personal loan up to $35,000 without ever leaving your home.

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How it works.

Step 1

Apply
online in minutes

Using our convenient online application you can provide everything required to get approved for a loan in minutes. Get Started.

Step 2

Get up to $35,000 from home

We offer loans from $500 to $35,000. The entire process can be completed from your home with no face to face meetings at a branch.

Step 3

Spend as you wish while building credit

Every repayment towards your loan gets reported to the credit bureaus which helps build your credit.

Fast cash when you need it.

100% online application process.
Receive funds the same day via e-Transfer.
Perfect for paying bills or consolidating debt.

Flexible borrowing.

Loan amounts from $500 to $35,000 with bi-weekly or monthly repayment plans.
Pay your loan off at any time with no penalties or hidden fees.

Let’s grow together.

Get Started

It’s easy.
It works.

We’ve helped thousands of Canadians improve their credit and access fair financial products.

See All Reviews

“I applied with Spring Financial not too long ago and I was able to get approved for a personal loan. Thank you, Spring Financial!”

“"Quick and friendly service!"”

“I couldn't say anything anymore other than everything was great. Thank you!”

“I really appreciate that Spring Financial was able to approve me so quickly!”

“I would highly recommend Spring Financial if you're in need of funds to do renovations or pay off a loan, or whatever you may need it for”

“Reps that I've been talking to have been helpful. It was all understood and well explained!”

“Spring Financial was willing to help me when banks weren't”

“The process was fairly quick my agent was able to get back to me within a day, I was able to use my loan to pay off part of my credit card debt! Would recommend Spring Financial to anybody”

“Very happy with my experience with Spring”

“The process was pretty fast and easy so I suppose I'm happy with it.”

“Honestly when I initially applied I was not aware that this would provide an opportunity to rebuild my credit. While I'm not excited about the higher interest rate I would recommend the service to anybody since the people I worked with were very helpful and friendly”

“Thanks to Fresh Start getting my credit back on track.”

FAQs

How does the loan work?

We provide unsecured personal loans to Canadians. Our application is quick, easy to fill out and every step of our process can be done online or over the phone. Our loans range from $500 to $35,000, with terms from 9 to 60 months. Once you are approved, then you can sign the loan documents right away. You can use the funds for whatever you want. All of our loans are open which means you can pay them back at any time with no extra fees or penalties. We’ve helped thousands of people in many types of credit situations, and we hope that we can help you too. Our aim is to get as many people approved as possible!
What is the interest rate?

The interest rate you qualify for will depend on a number of factors such as your credit history, current income, and current debt load. To determine the interest rate you qualify for, please apply now and one of our associates will contact you.
What do I need to qualify?

To apply with us, you have to be the age of majority in your province, have a valid ID, and have some form of income. We do our best to get everyone approved. Once you apply, one of our associates will review your file and connect with you to complete your application and collect the necessary documents.
How much am I qualified for?

Our loans range from $500 to $35,000. The amount you qualify for will depend on a number of factors such as your credit history, current income, and current debt load. To determine the exact amount and interest rate you qualify for please apply now and one of our associates will contact you.
How long does the process take?

The application and approval can be completed in one phone call with one of our associates. Once you are approved you can sign the loan documents right away. Almost all funds are received within 1-2 business days. To speed up the process, please complete the online application and submit all of the requested documents.

Visit our help centre for a complete list of FAQs