Responsible lending · Canada
Up to $1,500 deposited within 24 hours. We base every decision on what you earn today — not a credit score from years ago.
Loan Terms & Disclosures
Transparent Terms.
No Surprises.
Minimum repayment
Bi-weekly structured payments
Maximum repayment
Flexible plan, no penalty
Maximum annual rate
All fees included. Nothing hidden.
Four Steps
A clear path from start to funded.
Apply in minutes.
Complete a short online form from any device. No branch visit, no documents to fax, no in-person appointment required.
Income verified instantly.
Secure IBV technology links directly to your bank in real time to confirm your income. No pay stubs. No back-and-forth.
Your full offer, upfront.
Every payment date and the total cost are shown before you commit. Walk away at any point with no questions asked and no obligation.
Funded within 24 hours.
Once approved, funds arrive by direct deposit within one business day.
The EasyCap Difference
We look at your income, not your past.
Most lenders penalize you for history you cannot change. We base every decision on where you stand today.
One flat rate. Nothing added.
34.99% APR is the complete cost of your loan — not an entry-level figure or a best-case estimate. No membership fees, no broker charges, nothing added after you sign.
Real-time bank verification.
Our IBV integration connects directly to your financial institution to verify income in seconds. No pay stubs to upload, no manual review, no delays.
Full cost shown before you sign.
Before any commitment, you see every payment date, every amount, and the total cost. No surprises on signing day or after.
Implications of Non-Payment
What happens if you miss a payment?
These are the consequences of missing a payment, presented clearly so you know what you are agreeing to.
Late fee policy
A one-time late fee may apply after a 3-day grace period. We will contact you before any fee is charged.
Collection practices
Accounts overdue beyond 90 days may be referred to a third-party collections agency. This can affect your credit file and should be avoided by contacting us early.
Credit reporting
Payment history may be reported to Canadian credit bureaus. On-time payments help your score. Missed payments hurt it. We report both.
Renewal policy
EasyCap does not automatically renew or roll over loans. Any new loan requires a fresh application and new income verification.
Boost Your Approval Chances with a Cosigner
Our partner, Cosigns.ca, can help you secure your loan even if you have less-than-perfect credit.
Why Consider a Cosigner?
Adding a cosigner to your application reduces the risk for lenders, which often leads to immediate approvals and better terms.
Faster Approvals
Skip the waiting period. Cosigned applications jump to the front of the line.
Higher Acceptance
Even with bad credit, a cosigner's backing drastically improves your odds.
Seamless Process
Our integration with Cosigns.ca makes adding a cosigner entirely digital and stress-free.
4 Simple Steps to Success
Apply
Start your standard application with EasyCap.
Get Referred
If we need extra security, we'll direct you to Cosigns.ca.
Add Cosigner
Your cosigner completes a quick digital verification.
Get Funded
Once approved, funds are transferred instantly.
Cosigner & Cost Disclosure
- • APR max 34.99%.
- • The fees for third-party cosigner services are independent of our loan terms.
- • These fees are separate from loan interest and may affect the effective Annual Percentage Rate (APR).
We encourage all borrowers to carefully review their agreement and understand the full cost of borrowing before signing.
Ready to start
Up to $1,500.
Same day review.
No hidden costs.
No guaranteed approval claims and no pressure tactics — just a straightforward income verification and an offer you can review without obligation.
34.99% max APR · 62-day min term
No fees · Funds in 24 hrs