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Finjoy Capital Personal Loan

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Finjoy Capital Personal Loan
Loan Amount
1,000 - $10,000
All information about Finjoy Capital Personal Loan has been collected independently by Finder. Finder is not connected with Finjoy Capital products, and this page is not sponsored, endorsed or administered by, or associated with, Finjoy Capital. All product names, logos, and brands have been used for identification purposes only and are property of their respective owners.

Our verdict

Finjoy provides unsecured personal loans of up to $10,000.

If you need funds for a rainy day or need to finance a large purchase, then a personal loan from Finjoy Capital is an option. Finjoy Capital was previously known as FlexFi.

This lender offers fast approvals and funding, and it's possible to get approved with a less than perfect credit score. However, if you have a risky profile as a borrower, Finjoy may require you to have a cosigner.

In this guide

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  • Your reviews

Pros and cons of a Finjoy Capital personal loan

Pros

  • No early repayment fees and application fees.
  • Better offers for return clients.
  • Higher chances of approval if you have a cosigner.
  • Bad credit is OK.
  • Considers borrowers with a consumer proposal.

Cons

  • Low loan limit for first time users.
  • Potentially high interest rates.
  • Rates are not posted online.
  • Loan terms are not posted online.
  • Only available in British Columbia.

Features of a personal loan from Finjoy Capital

  • Flexible loan size. You can apply for a personal loan of $1,000 – $10,000.
  • Fast access to funds. If your loan is approved, you should receive your funds within 1 day of Finjoy Capital receiving your documents and forms.
  • Repayment options. Finjoy Capital allows you to make repayments once a month, twice a month or once a week.
  • Online calculator. You can use the Finjoy Capital online calculator to generate an approximation of the repayments required for your desired loan. Using the calculator will not impact your credit score.
  • 3 client levels. Finjoy Capital categorises clients as “Silver”, “Gold” and “Platinum”. Silver clients are first time borrowers, Gold clients are return borrowers with good payment records and Platinum clients are return borrowers with excellent payment records.
  • Backers. If you have a low credit score or checkered credit history, you may require a backer for your loan.
  • Online application. Applications can take as little as 2 minutes. Forms are all available online and are simple to complete if you have all your information on hand.

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How much does the loan cost?

The overall cost of your loan will depend on its structure and detail. The size of the loan, the term of the loan and your financial history will all have a bearing on total loan cost.

The following fees may apply to your loan:

  • Missed payment and default fees

How to apply for a Finjoy Capital personal loan

You can apply for a Finjoy Capital personal loan by heading to the Finjoy Capital website. To be eligible you must, at a minimum:

  • Be a resident of BC
  • Have employment income
  • Provide a bank statement
  • Be a Canadian citizen, permanent resident or have a work permit

When applying for a loan you generally need to provide:

  • Identification. You will need to provide either a Canadian driver’s licence, passport or birth certificate.
  • Verification of employment and income. You will need to supply 3 months of payslips and bank statements.

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