COMPETITIVE RATES
Pay less in interest with rates starting from 9.99%.*
SECURE APPLICATION
Apply online safely with no waiting and no branch visits.
ALL CREDIT WELCOME
We know that you’re more than your credit score.
A loan that’s built to fit your life
From major purchases to emergency expenses, and everything in-between.
Debt Consolidation
Facing multiple debts? A debt consolidation loan rolls your debts into one simple, fixed payment. Save money, simplify your payments, and take control of your finances.
Vehicle Repairs
Get fast funds for essential repairs with flexible terms. Fix your car quickly without emptying your savings or delaying your travel plans.
Medical & Dental
Don’t put your health on hold. Cover any medical need with the quickest funds and flexible options. Handle it today and get back to feeling like your best self.
Special Occasions
Celebrate life your way. From weddings and birthdays to trips, gifts, or big family moments, a special occasion loan helps you cover it all with the quickest funds and adjustable repayment plans.
Major Purchases
Large purchases, like vehicles or even new appliances, can be unexpected and expensive. Using a personal loan allows you to purchase these items when you need them.
Emergency Needs
Feeling stuck with an unexpected bill? An emergency loan helps you cover it today with quick approval, funds sent as soon as the same day, and payments that won’t drain your emergency fund.
Loans and credit tools – for Canadians, by Canadians
From immediate cash needs to long-term stability, explore practical options tailored to help you move forward financially.
Make it happen in 3 simple steps
Because borrowing money shouldn’t be complicated.
Tell us about yourself
Pick your loan amount
Get Approved
1. Tell us about yourself
Just the basics: Your name, contact info, and a few quick details.
3. Get approved
Once you’re approved, we’ll e-Transfer the funds directly into your account.
FEATURED IN
Financial wins from people like you
We offer 5-star services that have earned us over 17,000 positive reviews across Canada. Not bad, eh?
$8,500
I was in need of emergency financial assistance, and Spring assisted me with funds in record breaking time, they gave me an affordable repayment plan. I am so grateful to them and would recommend you give them a try.
Bobby on Google
$3,350
I was able to get a loan against all odds with a young credit history, high credit utilization, and a low bank balance. I was approved when I needed it most. Their process was smooth and professional. I’m truly grateful!
Emmanuel on TrustPilot
$5,000
Spring Financial deserves every bit of praise I can give them. After being turned down by multiple banks and feeling completely defeated, Spring Financial gave me hope when I had none. Highly recommend.
Don on Google
$9,500
They made it very easy to get the loan I was looking for. They are very courteous, professional, and communication was very good. They made sure I understood all terms and options. I can’t recommend them enough.
Andrew on Google
$2,500
With a relatively low credit score and high ratio utilization I was able to get a loan in the amount I needed now. I would recommend Spring Financial to anyone who wants to improve cash flow and credit score.
Igor on Google
$6,000
Thanks for the help Spring Financial! I built up credit and at the same time I got through a tight spot. It’s fast and easy to apply for a personal loan.
Reddy on Google
Financial wins from people like you
We offer 5-star services that have earned us over 17,000 positive reviews across Canada. Not bad, eh?
$8,500
I was in need of emergency financial assistance, and Spring assisted me with funds in record breaking time, they gave me an affordable repayment plan. I am so grateful to them and would recommend you give them a try.
Bobby on Google
$3,350
I was able to get a loan against all odds with a young credit history, high credit utilization, and a low bank balance. I was approved when I needed it most. Their process was smooth and professional. I’m truly grateful!
Emmanuel on TrustPilot
$5,000
Spring Financial deserves every bit of praise I can give them. After being turned down by multiple banks and feeling completely defeated, Spring Financial gave me hope when I had none. Highly recommend.
Don on Google
$9,500
They made it very easy to get the loan I was looking for. They are very courteous, professional, and communication was very good. They made sure I understood all terms and options. I can’t recommend them enough.
Andrew on Google
$2,500
With a relatively low credit score and high ratio utilization I was able to get a loan in the amount I needed now. I would recommend Spring Financial to anyone who wants to improve cash flow and credit score.
Igor on Google
$6,000
Thanks for the help Spring Financial! I built up credit and at the same time I got through a tight spot. It’s fast and easy to apply for a personal loan.
Reddy on Google
A better way to borrow
BORROW YOUR WAY
Borrow what you need, from $500 for smaller needs to $35,000 for major expenses.
QUICK FUNDS
Get e-Transferred as soon as the same day you apply.
LOW, EASY PAYMENTS
Terms from 6 to 84 months and rates starting at 9.99%*
NO CREDIT BARRIERS
No matter your credit score, we have a solution.
You Deserve Better
Apply in just 3 minutes and get $500–$35,000 e-Transferred as soon as today.