Borrow $500-$35,000 and get a chance to win an iPad in our Spring Madness Giveaway!**
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Financing thatMeets 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.
Apply NowDebt 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.
Start Now
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
Personal Loans Made Simple
Apply From Your Device and Say Goodbye to Financial Stress
Experience the most convenient and hassle-free loan application, specifically designed for Canadians, by Canadians. Apply, get approved, and receive the funds via e-Transfer, all from the comfort of your device. Say goodbye to long queues and tedious paperwork! Our process is intentionally designed to be simple, fast, and straightforward.
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!
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 |
spring
Max Amount $35,000
Interest Rates From 9.99%
Fully Online Application
Approval Within Hours
Same-Day E-Transfer
Bank Loans
Max Amount $50,000
Interest Rates From 9.99%
Fully Online Application
Approval Within Hours
Same-Day E-Transfer
Credit Cards
Max Amount $10,000
Interest Rates From $19.99%
Fully Online Application
Approval Within Hours
Same-Day E-Transfer
Payday Loans
Max Amount $1,500
Interest Rates From 200-450%
Fully Online Application
Approval Within Hours
Same-Day E-Transfer
*Information is based on averages and may vary by institution or lender. It is not intended to address specific circ*mstances or any individual case.
Bankroll your Next Big Thing.
350K Canadians funded
$500M funded since 2016
75K monthly applications
See what our clients say about Spring Financial
Excellent 
12,000+ reviews on 
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..."
Gloria Winnipeg, Manitoba Approved for $2,500
"No one was willing to help me until I learned about Spring Financial. The process was very..."
David Noelville, Ontario
"I was able to get approved for a short term mortgage loan that completely helped me resolve my..."
Devon Halifax, Nova Scotia Approved for $4,500
"Spring Financial was able to help, they were very nice and the process was fast."
Cody Calgary, Alberta Credit Score +200pts
"Spring Financial was the only company that wanted to help me. I was able to build my credit..."
Jose Calgary, Alberta Approved for $5,000
"Spring Financial has helped me out a lot. I would recommend these products to anyone who is..."
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..."
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..."
Erin Niagara Falls, Ontario Credit Score +136pts
"Spring Financial has helped me achieve my credit goals and my credit score increased to the..."
Kathleen Meander River, Alberta Approved for $5,000
"Thank you to Spring Financial for being amazing and helping me increase my credit score. It..."
Markus Dundealk, Ontario Approved for $2,500
"Spring Financial really helps its customers. My credit score has gone from 400 to 600. Highly..."
Malik York, Ontario Approved for $2,500
"Big thank you to Spring Financial for getting my credit where I wanted it to be."
Mark Winnipeg, Manitoba Approved for $1,500
"Thank you Spring Financial for allowing me to try your service. The response was very quick..."
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..."
Donald Maple Ridge, BC Credit Score +120pts
"Spring Financial helped me dramatically increase my credit score while guiding me through the..."
Bryan London, Ontario Credit Score +100pts
"Spring Financial helped me build my credit from 500 to 600. I was able to get a car."
Frequently Asked Questions
How does the 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?
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, pleaseapply nowand 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 pleaseapply nowand 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.
