Transparent Rates
No surprises.
Just clear numbers.
No hidden fees, no membership costs, no broker charges. The total cost of borrowing is exactly what you see below — disclosed in full before you sign anything.
Representative Example
$1,000 loan
over 120 days.
Based on an approved applicant with good credit history. Your actual rate may differ.
The Process
Apply now,
money by tomorrow.
Four steps from application to funded. No branch visit, no paper trail, no waiting on a callback from a loan officer.
Complete the form.
A 5-minute online application. No branch visit, no fax, no paperwork required.
Instant verification.
Secure IBV technology reads your income directly from your bank in real time — no payslips, no manual review.
Review your offer.
See every payment, every date, and your total cost before you sign. Walk away at any point — zero obligation.
Money arrives.
Direct deposit within 24 business hours of approval. 62–180 day terms, no early-payment penalty.
Why EzFinance500
Built for speed.
Designed for trust.
Thousands of Canadians choose EzFinance500 every month because we pair fast income-based decisions with the transparency you deserve — no hidden fees, no surprises.
Non-Payment Policy
What happens if
you miss a payment?
Full transparency before you sign. These are the consequences of missing a payment — presented clearly so you know exactly what you are agreeing to.
Late Fee Policy
A one-time late fee may apply after a 3-day grace period. EzFinance500 will contact you before any fee is charged — we work with you first.
Collection Practices
Accounts overdue beyond 90 days may be referred to a third-party collections agency. This can affect your credit file — contact us early to avoid it.
Credit Reporting
Payment history may be reported to Canadian credit bureaus. On-time payments strengthen your score. Missed payments hurt it. We report both.
No Auto-Renewal
EzFinance500 does not automatically renew or roll over loans. Any new loan requires a fresh application and new income verification.
Partnership
Boost Your Approval Chances
with a Cosigner
Our partner, Cosigns.ca, can help you secure your loan even if you have less-than-perfect credit — the entire process is digital.
Why Consider
a Cosigner?
Adding a cosigner reduces lender risk — which typically means faster approvals, better terms, and a higher chance of receiving the full amount you need.
Faster Approvals
Cosigned applications are prioritized. Skip the waiting period and move to the front of the line.
Higher Acceptance Rate
Even with challenged credit, a cosigner's backing dramatically improves your approval odds.
Fully Digital Process
Our integration with Cosigns.ca is entirely online — fast, secure, and stress-free from start to finish.
How It Works
4 simple steps
to approval.
Apply
Start your standard application with EzFinance500.
Get Referred
If additional security is needed, we connect you directly to Cosigns.ca.
Add Cosigner
Your cosigner completes a quick digital identity verification.
Get Funded
Once approved, funds are deposited within 24 business hours.
Cosigner & Cost Disclosure
- • Maximum APR 34.99%.
- • Fees for third-party cosigner services through Cosigns.ca are independent of EzFinance500 loan terms.
- • Third-party fees are separate from loan interest and may affect the effective Annual Percentage Rate.
We encourage all borrowers to carefully review their agreement and understand the full cost of borrowing before signing.
Ready to grow
Borrow up to
$1,500.
Approved today.
No guaranteed-approval claims, no pressure — just a quick income check and a full offer you can review at your own pace.