Personal Loans From 9.99%^* Apply in 3 Minutes and Get $500-$35,000 Transferred Today

For a limited time only, you could enjoy 0% interest on the last 6 months of your loan term**. Submitting an application will not affect your credit score.

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A Loan that Meets Your Needs

Debt Consolidation

Having debt can be overwhelming. Trying to decide what to pay off first while keeping up with all of the interest payments can cause a lot of financial stress. This is where a debt consolidation loan can help. Turn all those monthly payments into one convenient monthly payment while paying off your debts faster.

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Emergency Needs

One thing we can always count on is that life happens. Sometimes, there just isn’t quite enough money to go around, especially when the unexpected happens. A personal loan allows you to cover these expenses while maintaining a flexible payment schedule.

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Special Occasions

From graduations to weddings, those special days in our lives only happen once and we want to celebrate them. Don’t let your finances hold you back. A personal loan can allow you to celebrate those moments how you want to, in an affordable way.

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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.

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Home Renovations

When it comes to owning a home, improvements and renovations always need to be done whether they are planned or not. A personal loan allows you to do these renovations whenever you are ready.

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Vacations

Traveling is a once in a lifetime experience. Adventure, culture, history; whatever your reason is and wherever you decide to go, immersing yourself into the experience only makes the vacation better. A personal loan can make all that a reality.

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Debt Consolidation

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Spring Financial has helped me consolidate my debt and now I have extra funds to help pay off my son's student loans.

Christopher M from Acton, ON

How it works

1. Fill out our secure online application

Say goodbye to branch visits and long queues – everything can be done from the comfort of your device.

2. Get approved

Our dedicated team will promptly review your application and provide you with an approval within a matter of hours.

3. Receive your funds

Once approved, receive your funds swiftly through a convenient e-transfer directly to your bank account!

1. Fill out our secure online application

Say goodbye to branch visits and long queues – everything can be done from the comfort of your device.

2. Get approved

Our dedicated team will promptly review your application and provide you with an approval within a matter of hours.

3. Receive your funds

Once approved, receive your funds swiftly through a convenient e-transfer directly to your bank account!

Apply Now

Why choose Spring Financial?

	spring	Bank Loans	Credit Cards	Payday Loans
Max Amount Max Amount	Max Amount $35,000	Max Amount $50,000	Max Amount $10,000	Max Amount $1,500
Interest Rates From Interest Rates From	Interest Rates From 9.99%	Interest Rates From 9.99%	Interest Rates From $19.99%	Interest Rates From 200-450%
Fully Online Application Fully Online Application	Fully Online Application	Fully Online Application	Fully Online Application	Fully Online Application
Approval Within Hours Approval Within Hours	Approval Within Hours	Approval Within Hours	Approval Within Hours	Approval Within Hours
Same-Day E-Transfer Same-Day E-Transfer	Same-Day E-Transfer	Same-Day E-Transfer	Same-Day E-Transfer	Same-Day E-Transfer

Max Amount $35,000

Interest Rates From 9.99%

Fully Online Application

Approval Within Hours

Same-Day E-Transfer

Max Amount $50,000

Interest Rates From 9.99%

Fully Online Application

Approval Within Hours

Same-Day E-Transfer

Max Amount $10,000

Interest Rates From $19.99%

Fully Online Application

Approval Within Hours

Same-Day E-Transfer

Max Amount $1,500

Interest Rates From 200-450%

Fully Online Application

Approval Within Hours

Same-Day E-Transfer

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*Information is based on averages and may vary by institution or lender. It is not intended to address specific circumstances or any individual case.

Bankroll your Next Big Thing.

450K Canadians funded

$500M funded since 2016

75K monthly applications

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See what our clients say about Spring Financial

Markus Dundealk, Ontario Approved for $2,500

"Spring Financial really helps its customers. My credit score has gone from 400 to 600. Highly..."

Christopher Acton, Ontario Approved for $9,850

"Spring Financial has helped me consolidate my debt and now have extra funds to help pay off my..."

Gina Brampton, Ontario Approved for $2,500

"Spring Financial did not disappoint. I was also able to increase my credit and they helped me..."

Kathleen Meander River, Alberta Approved for $5,000

"Thank you to Spring Financial for being amazing and helping me increase my credit score. It..."

Gloria Winnipeg, Manitoba Approved for $2,500

"No one was willing to help me until I learned about Spring Financial. The process was very..."

Devon Halifax, Nova Scotia Approved for $4,500

"Spring Financial was able to help, they were very nice and the process was fast."

Mark Winnipeg, Manitoba Approved for $1,500

"Thank you Spring Financial for allowing me to try your service. The response was very quick..."

Erin Niagara Falls, Ontario Credit Score +136pts

"Spring Financial has helped me achieve my credit goals and my credit score increased to the..."

Malik York, Ontario Approved for $2,500

"Big thank you to Spring Financial for getting my credit where I wanted it to be."

Bryan London, Ontario Credit Score +100pts

"Spring Financial helped me build my credit from 500 to 600. I was able to get a car."

Cody Calgary, Alberta Credit Score +200pts

"Spring Financial was the only company that wanted to help me. I was able to build my credit..."

Devon Burlington, Ontario Approved for $2,100

"I was able to successfully get a loan for $2,000 and was deposited into my account the same..."

Curtis Edmonton, Alberta Credit Score +130pts

"I got a loan with them and was able to build my credit 130 points. The agents that helped me..."

David Noelville, Ontario

"I was able to get approved for a short term mortgage loan that completely helped me resolve my..."

Rochae Toronto, Ontario Approved for $2,500

"I got approved for a $2,500 loan and that goes along way. Sign up with Spring Financial and..."

Andrew Kenora, Ontario Approved for $1,350

"My goal was to raise my credit score to 700 and I am well on my way. Their service was..."

Jose Calgary, Alberta Approved for $5,000

"Spring Financial has helped me out a lot. I would recommend these products to anyone who is..."

Donald Maple Ridge, BC Credit Score +120pts

"Spring Financial helped me dramatically increase my credit score while guiding me through the..."

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Frequently Asked Questions

How does the Spring Financial personal 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 for your personal loans?

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 do I qualify 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

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Personal Loans From 9.99%^* Apply in 3 Minutes and Get $500-$35,000 Transferred Today