Legal · Terms
The agreement
behind every loan.
These Terms & Conditions govern your use of EzFinance500 and any loan product you apply for. By browsing our platform or submitting an application, you agree to be bound by them in full.
Acceptance of Terms
By browsing EzFinance500 or submitting an application, you accept these Terms in full. If any part of this agreement is unacceptable to you, please discontinue use of the platform.
Eligibility
You must have reached the age of majority in your province of residence, be a Canadian resident, and be able to provide accurate, verifiable identity, employment and banking information. Providing false information voids any offer immediately.
Loan Products & Representative Example
EzFinance500 offers loans from $300 to $1,500 with terms of 62 to 180 days, at a maximum Annual Percentage Rate of 34.99%. Representative example: a $1,000 loan over 120 days totals $1,115.04 in repayment across 8 bi-weekly installments — disclosed in full before you sign. No membership, brokerage or application fees apply.
Application & Verification
Applications are completed online and reviewed using real-time income verification. Submitting an application does not guarantee approval — every offer is subject to income verification and our underwriting criteria.
Cosigner Partnership
Where additional security would strengthen your application, we may refer you to our partner Cosigns.ca for a fully digital cosigner process. Any fees charged by Cosigns.ca are independent of your EzFinance500 loan terms and disclosed separately before you commit.
Payments, Late Fees & Default
Payments are due on the dates set out in your loan agreement. A one-time late fee may apply after a 3-day grace period, and we will always contact you before any fee is charged. Accounts more than 90 days overdue may be referred to a third-party collections agency, and payment history may be reported to Canadian credit bureaus.
No Auto-Renewal
EzFinance500 never automatically renews, rolls over or extends a loan. Any new loan requires a fresh application and a new income verification, assessed independently of any prior loan.
Account Security
You are responsible for keeping your account credentials confidential and for all activity that occurs under your account. Notify us immediately if you suspect unauthorized access.
Intellectual Property
The EzFinance500 name, platform, design and underlying technology are the exclusive property of EzFinance500 Inc. No part of the site may be copied, reverse-engineered or reused without written permission.
Limitation of Liability
EzFinance500 is not liable for delays or losses arising from third-party banking downtime, interbank transfer networks, or events outside our reasonable control. The platform is provided on an as-available basis.
Governing Law
These Terms are governed by the laws of your province of residence together with the applicable federal laws of Canada. Any dispute arising from these Terms will be resolved in the courts of that province.