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We’ve got you covered with affordable options to fit every budget.

I’d like to borrow:$12,500

$500
$150,000

Repayments
for

Loan amount, interest rate and payment amount subject to change upon final loan approval. Interest rate for Personal Loans calculated at 35% and interest rate for Home Equity Loans (loans above $15,000) calculated at 14.99%. Repayment amount includes optional Loan Protection Plans coverage. The Fine Print

Your estimated bi-weekly payment amount is

$255.92

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Applying won't affect your

credit score.

St. John's locations near you

400+ locations across Canada to serve you better

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Google
Map data ©2025 Google
Map data ©2025 Google

5
locations in St. John's

1

45 Danny Drive,, St. John's, NL A1H 0N4

1-709-800-4378

branch2955@goeasy.com

Mon-Fri: 10am-7pm

Sat: 9am-5pm
Closes at 7pm

Get Directions1.4 km

2

80 Kenmount Rd, Unit 3, St. John's, NL A1B 3R1

1-709-368-3320

branch2931@goeasy.com

Mon-Fri: 10am-7pm

Sat: 9am-5pm
Closes at 7pm

Get Directions6.7 km

3

344 Conception Bay Hwy, Conception Bay South, NL A1X 7A3

1-709-834-5875

branch2913@goeasy.com

Mon-Fri: 10am-7pm

Sat: 9am-5pm
Closes at 7pm

Get Directions11.0 km

4

95 Stavanger Dr, St. John's, NL A1A 5V9

1-709-739-7210

branch2923@goeasy.com

Mon-Fri: 10am-7pm

Sat: 9am-5pm
Closes at 7pm

Get Directions13.9 km

5

120 Columbus Dr, Carbonear, NL A1Y 1B3

1-709-596-1694

branch2918@goeasy.com

Mon-Fri: 10am-7pm

Sat: 9am-5pm
Closes at 7pm

Get Directions38.5 km

5
locations in St. John's

1

45 Danny Drive,, St. John's, NL A1H 0N4

1-709-800-4378

branch2955@goeasy.com

Mon-Fri: 10am-7pm

Sat: 9am-5pm
Closes at 7pm

Get Directions1.4 km

2

80 Kenmount Rd, Unit 3, St. John's, NL A1B 3R1

1-709-368-3320

branch2931@goeasy.com

Mon-Fri: 10am-7pm

Sat: 9am-5pm
Closes at 7pm

Get Directions6.7 km

3

344 Conception Bay Hwy, Conception Bay South, NL A1X 7A3

1-709-834-5875

branch2913@goeasy.com

Mon-Fri: 10am-7pm

Sat: 9am-5pm
Closes at 7pm

Get Directions11.0 km

4

95 Stavanger Dr, St. John's, NL A1A 5V9

1-709-739-7210

branch2923@goeasy.com

Mon-Fri: 10am-7pm

Sat: 9am-5pm
Closes at 7pm

Get Directions13.9 km

5

120 Columbus Dr, Carbonear, NL A1Y 1B3

1-709-596-1694

branch2918@goeasy.com

Mon-Fri: 10am-7pm

Sat: 9am-5pm
Closes at 7pm

Get Directions38.5 km

Apply for a personal loan in St. John's and get a decision in minutes

Get more money at lower rates with St. John's best payday loan alternative.

easyfinancial offers personal loans up to $20,000* that can help improve bad credit and get you on a path to a better financial future.

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YES when the

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We can help get you approved even with bad credit or no credit history.

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With e-Transfer, get a quick decision and your money the same day.

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Have questions? We can help.

What credit score do I need for easyfinancial?

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This is determined on a case-by-case basis. We use many factors to approve applicants for a loan, including monthly income and credit score. We factor in your debt-to-income ratio (50%), debts in collections, car payments, and monthly debt obligations. Those with bad credit (300-720) are encouraged to apply.

What is a soft inquiry and how is it different than a hard inquiry?

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A soft inquiry is when your credit report is pulled for informational purposes and does not affect your credit score. A soft inquiry is simply a review of your credit report that's used to determine if you are eligible for a pre-approved offer and may be used to verify who you are.  When a company conducts a soft inquiry, this is only visible to you, and is not seen by other lenders therefore it will not negatively affect your credit score. 

A hard inquiry is when a credit report is requested from the credit bureau for the purpose of evaluating you as a borrower. A hard inquiry can affect your credit score and can be seen by other lenders. However, keep in mind that hard inquiries are only one of the five major factors that help determine your credit score.  Other factors such a payment history and credit utilization play a much bigger role in determining your credit score. 

What documents are needed to get an approval?

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We require the following documents:

2 recent pay stubs

  1. Last 90 days of banking information 

  2. 1 recent bill addressed to your current home 

  3. A piece of government photo ID