Reviews

This profile includes reviews for goeasy Ltd's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  goeasy Ltd

  510 - 33 City Centre Dr Mississauga, ON L5B 2N5

  
• 

  goeasy Ltd

  16, 1500 Cranbrook Street N Cranbrook, BC V1C 3S8

• 

  goeasy Ltd

  3 2404 Centre St NE Calgary, AB T2E 2T9

• 

  Easyfinancial Services

  10596 King George Blvd Surrey, BC V3T 2X3

  
• 

  Easyfinancial Services

  106 3000 Louie Dr Westbank, BC V4T 3E2

  

Review Details

• Review fromKelly G

  Date: 22/07/2025

  1 star
  * ***** **** * **** ******* ** *** **** *** * loan thru Easy Financial, ****** ** the interest RATES are extremely outrageous. * ******** ******* ** **** ******* ***** ** *** * ***** Be careful as this company has many umbrellas that mask themselves as they are still easy financial. Yes they give you a loan, however at a LARGE COST to the consumer. You will never ever get the loan paid unless you file bankruptcy or consumer proposal. In turn this does not help you with your credit rating, it makes this go down, and then you will be in a vicious circle. **** *** ********* ***** **** ****** **** **** ********* ** ********** *********** **** **** **** ** * ******** *********

• Review fromJody P

  Date: 24/04/2025

  1 star
  Their representatives send incorrect dates on emails, which in turn causes errors and loss of funds for customers. They don't seem to have any consequences for this. Rep ******** sent multiple emails with an incorrect date causing lack of funding. ** *** **** **** **** *** *** * ****** ******* ******* ****** *** *****

  goeasy Ltd

  Date: 14/05/2025

  After thoroughly reviewing the account, we found that the customer had a total of three loans with easyfinancial Services (EFS). Each loan was funded promptly, either within a day or just a few hours after the application process began. The applications were submitted for the customer's signature only once, and upon signing, the respective loans were funded.
  We have made multiple attempts to contact the customer to gain a clearer understanding of their concerns. Unfortunately, we have not received any response or follow-up communication from the customer.
  We are committed to resolving any issues and encourage the customer to reach out to us directly for further assistance.

• Review fromROD M

  Date: 11/11/2024

  2 stars
  *** *** ******** * they said no credit check was needed and was on my credit files and also was on contract when the old manger made up. also when new manager came she called me asked to apy more. I said no my contract is this much a week then I took the unit back with my coach. and was reported again to * *** ********** over 5 thousand owing. cause of what they did I been dealing with Lindsay store.

  goeasy Ltd

  Date: 26/11/2024

  Thank you for sharing
  the customer's review. Easyfinancial reached out to address their concerns and
  advised them to send proof of how the Easy Home account is being reported on
  their account. However, we have not yet received the requested screenshot of
  the credit report. Once the customer is ready with the necessary documentation,
  they can contact us at ********* for further assistance.

  
  

  Regards,

• Review fromBronson B

  Date: 30/10/2024

  1 star
  Total amount Loan should have costed:
  $5500.00 x 46.96% = $2582.80
  $5500.00 + $2582.80 = $8082.80
  What it actually costs:
  $5500.00 x 46.96% = $2582.80
  x 5? = $12, 914.00
  + $5500.00
  = $18, 414.00
  Where did that 5 come from that they multiplied $2582.80 by? Well it represents the 5 years of the Loan when I originally planed to pay off in 12 months or less considering I was under the assumption I was only paying $8082.80 in TOTAL.
  They added on an insurance plan that I denied and refused, however I did accept their "Credit Build" product which didn't do anything, credit was 720 then, it's 639 now. TOTAL I'm owing $19,200. Absurd.
  It's sounds like contract arbitrage which isn't illegal, however the way it's structured at GoEasy seems ******* or ******* considering they won't disclose all the concerns you have, even the sum amount owed. They will breach contract by adding products you refuse....They will send you to a rep who will then lock you into a contract not represented by the original agreements that were spoken about with their other sister company.
  It seems, instead of being in the business of lending loans, *************, *************** or GoEasy will also profit from Mark Up prices on interest rate spreads between banks and lenders, and is why keep the spread max high by giving you 46.96-49% interest even if you have mazing credit. I don't think they ever give out products under 42% even though they advertise 9.99%-49.99%.
  I asked customer service rep "what service does go easy provide?" and they responded "we offer products to struggling families and people interested in building their credit and resolving their financial issues". ****. We are mad.
  Is a loan even being to serviced to me? Seems like loan is serviced to sister company, and then I'm left off with the ***** arbitraged contract that assumes total and full Liability now for all of the ******* math and **** that they rely on upon conception of "Loan", T&C's or other binding contracts.

  goeasy Ltd

  Date: 12/11/2024

  Thank you for
  sharing your feedback. We always strive to address our customers' concerns and
  ensure customer satisfaction. After reviewing your account, we would like to
  clarify the details regarding your loan.
  
  
  
  Your loan term is
  54 months, and the 46.96% interest rate is an annual rate. The total obligation
  stated in your loan agreement is only applicable if the loan is kept for the
  full term. You are not required to pay total obligation amount listed in the agreement
  if you choose to make an early payoff.
  
  
  
  We sincerely
  apologize if value added services were not clearly explained. Please note that
  loan insurance is an optional service, and you have the option to cancel it at
  any time by calling us at ###-###-####.
  
  
  
  Regarding your
  concerns about the interest rate, please understand that the rate is based on
  your credit profile. We specialize in providing loans to customers who may not
  qualify for traditional financing due to their credit history, which is why the
  interest rate is higher.
  
  
  
  We appreciate your understanding, and if you
  have any further questions or concerns, please don’t hesitate to reach out.

• Review fromKayla S

  Date: 22/10/2024

  1 star
  **** ** *** ***** ******* **** I got a 6,000 loan ended ended up being a 12,000 loan they never know how much you owe or pull from your account the wrong date . I will never use them again they took money from me .

  goeasy Ltd

  Date: 30/10/2024

  Thank you for your feedback. At easyfinancial, we truly value your input as it helps us improve our service.
  First and foremost, we sincerely apologize for any inconvenience you’ve experienced. Upon reviewing your account, we noticed that there were 17 skipped payments and some NSF charges during the loan term. Please understand that each missed payment increases your overall cost of borrowing.
  When we offer deferrals or extensions, we strive to ensure that our customers are fully aware of their implications. We apologize if there was any confusion regarding this matter.
  If you have any further questions or need additional information about your loan account, please feel to contact us on ###-###-####.

• Review fromMurray W

  Date: 01/10/2024

  2 stars
  Got a loan yesterday at Landsdowne in Saint John nb. Dealt with a Carlos poorest service I have ever received. He does not know his job. Quotes one thing and then it all changes. Very disappointed u need to try harder. I deserve better as a customer. It will be the last time and would never recommend. ****** ******

  goeasy Ltd

  Date: 24/10/2024

  Easyfinancial would
  like to address the customer's concerns and the importance of misunderstanding
  that may have occurred during the course of processing the new loan.
  
  
  
  Upon reviewing the
  customer's complaint, we have considered refinancing the loan to include the
  loan protection plan as requested. However, it's important to note that this
  addition would increase the customer's contractual payment by $25.00 and extend
  the loan term to 54 months.
  
  
  
  During our initial
  conversations, the customer emphasized the importance of maintaining a payment
  amount that does not exceed $100.00. As we always prioritize our customers'
  ability to manage their payments, adding any of the three ancillary services
  would unfortunately raise the loan amount beyond the customer's stated budget.
  
  
  
  At Easyfinancial,
  we are committed to ensuring that our customers are fully aware of the terms
  and conditions associated with their loans. This includes a thorough review of
  the loan term, new payment amount, annual interest rate changes, and any
  optional services added upon the customer's request.
  
  
  
  Should you require
  any further clarification or if additional information is needed, please do not
  hesitate to reach out. Easyfinancial will assist in any way and to ensure that
  our customers feel supported throughout their financial journey.

  
  

  Thank you,

• Review fromAlyson W

  Date: 28/09/2024

  1 star
  Easy Finacial took 2 payments out of my account 3 days early. One for $1006 and one for $906. I sent them a screen shot of my bank account showing the 2 payments being taken. I now have no money to survive for the month as they say I need to prove how much overdraft I have and that I need a banking statement which doesn’t come out for over a week. They can see the 2 payments but are refusing to e-transfer the $906 back into my account. I honestly don’t know what to do. *** ****** *****

  goeasy Ltd

  Date: 03/10/2024

  Easyfinancial would
  like to apologize for the inconvenience this may have caused to the customer.
  The payments processed were already in transit at the time of increasing the
  loan. Upon reviewing the account, the customer and Easyfinancial are working together
  to come to an amicable solution. We would be happy to refund the payment, we
  would just need a banking statement to show the payment has cleared on the
  customers to expedite the process, otherwise, we would need to wait 10 business
  days for the payment to clear.
  
  Easyfinancial would
  like to thank you for giving us the opportunity to correct the situation at
  hand.

• Review fromVictoria P

  Date: 23/09/2024

  1 star
  Used for one time services and asked to no longer be contacted after but they keep doing it. I was told they would not contact again explicitly by staff member. Trying to unsubscribe from emails multiple times did nothing.

  goeasy Ltd

  Date: 30/09/2024

  We apologize if it was difficult to unsubscribe from the service, the original email and text messages will have an unsubscribe link at the bottom of the correspondence. We confirm the account is marked as do not solicit. We confirm two separate applications, March and May 2024, It is important to note that each time you apply for a loan, with easyfinancial or one of our affiliates, the terms and conditions section includes consent for future solicitation.
  For help with this request or any others, we can also be reached at *****@******.com or by calling **************, we're happy to help.

• Review fromJanett P

  Date: 20/09/2024

  1 star
  Got 2 loans never late on a payment. Go in for a 3rd loan with better credit history 10 months later and these people charge twice the interest as previous loan and because i said no the guy told me i wasted his time and to get out.
  $5500 loan $531. Payment a month for 24 months. **** * ****

  goeasy Ltd

  Date: 01/10/2024

  Thank you for
  your feedback, and we sincerely apologize for any inconvenience you
  experienced.
  
  
  
  After reviewing
  your account, we found that the interest rate offered on your new loan
  application is lower than the rate on your previous loans. For detailed
  information regarding the interest rate difference, please contact us at ###-###-####.
  
  
  
  We also
  apologize for your experience at our branch. We have escalated this issue to
  the branch manager, who will ensure that our sales agent receives the necessary
  coaching. Thank you for your understanding.

• Review fromClair S

  Date: 24/07/2024

  1 star
  * **** ****** ********* ******* ** *** ******* ******** **** ******* ****** *** ******* loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity. ********* lenders often use aggressive sales tactics and ********* to get borrowers to take out loans they can't afford.
  This is Go Easy or Easy Financial
  I had to go to a Consumer Proposal because the interest rate was insane & I ended up being 3 months behind in rent. I have nothing left to give. These staff ****** me via email & several phone numbers even while in Consumer Proposal. I’m now seeking stress leave from work because of their ***** ********** & ******** tactics. They care less about people & more about grabbing money. I fell for their **** tactics of a huge loan & now I’m financially a mess a few years out of retirement. **** **** **** ******** ***** ******* **** * **** *** ***** ******** ****** ********** ************* **** ****** ** **** **** **** *** * ******** **** *** ***** *** ** ****** ****** ** *** ******* ** *****

  goeasy Ltd

  Date: 27/08/2024

  Thank you for your feedback. We are so sorry to hear that
  you did not have a great experience with our services.
  
  Easyfinancial understand your concerns regarding the
  interest rate and terms. Our interest rates for unsecured loans range from
  29.99% to 46.96%, and the rate is determined by multiple factors such as credit
  history, income, etc. We want to ensure that we are transparent with our
  customers, and to show that, we have all the terms of the loan on the first
  page of the agreement. Our staff is trained to breakdown the process of loan
  approval, and with the customer's consent, we proceed further.
  
  When an account becomes past due, easyfinancial would
  attempt to contact the customer to make arrangements to the account to help
  bring the account to a good standing.
  
  Easyfinancial apologizes for any distress this may have
  caused.

  Clair S

  Date: 27/08/2024

  I reiterate - I acknowledged that I was in a Consumer Proposal and was contacted via email, phone & text to pay up. I had requested help prior to this from your staff & received a brief email to pay more then interests would go down.
  No suggestions - just told y pay more.
  I also had to dig to get a loan breakdown since nothing is ever sent out n a monthly basis as other loans are done. That was painful! And I received a silly kindergarten email showing the breakdown.
  ********* ** *** ******** ********** ** *** **** **** *** * ******* ** *** ********** *** ** ********* ****** ******* **** *** ****** *** **** * ********* ****** ********* ** ******* ********* * ********* ****** ******* ** * *** ** ******* **** ****** ******** * *** ******** **** **** ***** ******* **** ** ****** ******. Plus I never received receipts. The only time was when I had to beg for a breakdown.
  Lastly, ****** ********* supposedly is not affiliated, yet I was transferred to them. I gave paid a huge amount for getting $750 back & after realized I was duped. When you’re tired & down , it’s easier t be duped & used.
  Now that I’m in a consumer proposal, I’ve lost whatever I poured my hard earned money into that place.
  So - no - I disagree with this response completely.
  Lousy customer service.