Personal Loans

How It Works

  • How does the loan work?
  • When will I know if I am approved or not?
  • How long does the process take?
  • How do I get the funds?
  • Does Spring Financial report to a credit bureau?
  • Do personal loans affect my credit?
  • How do I contact Spring Financial?
  • Is Spring Financial legit?
  • Where do I find details about my insurance products?

Requirements

  • What do I need to qualify?
  • Does my credit score matter?
  • Why do you need my bank statement?
  • Will a consumer proposal or bankruptcy affect my offer?
  • Why do I need to provide a reference when the bank/other financial institution does not ask for them?
  • What information is disclosed to references?

Personal Loan Details

  • How much am I qualified for?
  • What is the interest rate?
  • How much will payments be?

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Spring Financial Inc. provides loans up to $35,000 with interest rates ranging from 9.99% to 46.99%, and terms from 6 to 60 months. APRs on such loans range between 10.8% to 46.99%. Your actual rate will depend on a variety of factors such as your credit score and the loan amount.

An example of borrowing costs paid on a $5,000 loan with a 60 month term at 10.87% APR is a Weekly payment of $24.43, with the total repayment amount of principal and interest being $6,352.33 and the total cost of the loan (interest only) being $1,352.33.

To qualify for The Foundation, you must have an active account with a bank or financial institution, as approved by Spring Financial, and a valid government-issued Canadian ID. The Foundation is available in all provinces except Saskatchewan and New Brunswick. Results from The Foundation depend on the individual. All guarantee references are made in connection to the Evergreen Loan. To qualify for the Evergreen Loan, you must first successfully complete 12 months on The Foundation and save $750, have an active account with a bank or financial institution, as approved by Spring Financial, and a valid government-issued Canadian ID.

Spring Financial Inc. is headquartered at Suite 600, Two Bentall Centre, 555 Burrard Street, Vancouver, British Columbia, Canada, V7X 1M8

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Spring Financial Inc. and its loans are not affiliated with any credit bureaus.
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