{"id":916967,"date":"2021-05-06T13:42:02","date_gmt":"2021-05-06T17:42:02","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=916967"},"modified":"2026-04-13T16:40:34","modified_gmt":"2026-04-13T20:40:34","slug":"spring-financial-personal-loan-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/personal-loans\/spring-financial-personal-loan-review","title":{"rendered":"Spring Financial Review: Worth It in 2026?"},"content":{"rendered":"<h3>What is Spring Financial?<\/h3><p>Spring Financial is an alternative lender that operates completely online. Launched in 2015, it provides different types of loans to people with fair or bad credit across Canada. Its two main products are the personal loan and credit builder loan (also known as \u201cThe Foundation\u201d).<\/p><h3>Are Spring Financial and easyfinancial the same company?<\/h3><p>No, Spring Financial and easyfinancial are not the same company. They\u2019re two different Canadian lenders that offer loans to the same market: borrowers with fair to bad credit. Spring Financial operates online only, while easyfinancial offers loans both online and in person.<\/p><h3>Is Spring Financial legit?<\/h3><p>Yes, Spring Financial is a legally operating lender and a registered business in Canada. It is headquartered in Vancouver, British Columbia, it has an active social media presence on Facebook, Twitter, Instagram and LinkedIn. You can contact customer support through email, phone or live chat.<\/p><p>Business information:<\/p><ul><li><strong>Founded:<\/strong> 2015<\/li><li><strong>Headquarters:<\/strong> 505-555 Burrard St., #600, Vancouver, British Columbia V7X 1M8<\/li><li><strong>Social media:<\/strong> Facebook, Twitter, Instagram, TikTok and LinkedIn<\/li><li><strong>Ownership:<\/strong> Privately owned<\/li><li><strong>British Columbia registry ID:<\/strong> BC1352642<\/li><\/ul><p style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/spring-financial-personal-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2B%22%2C%22offer_id%22%3A%2219898%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22product_id%22%3A%22eaaf66e3-6e5c-4fe3-a7f7-76f5e7410de7%22%2C%22product_name%22%3A%22Spring%2BFinancial%2BPersonal%2BLoan%22%2C%22provider_id%22%3A%22cc20aa09-5252-4493-895e-a57261c5361b%22%2C%22provider_name%22%3A%22Spring%2BFinancial%22%2C%22post_id%22%3A%22916967%22%2C%22post_path%22%3A%22personal-loans%252Fspring-financial-personal-loan-review%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success \">Go to site<\/a><\/p><h3>What we like about the Spring Financial Personal Loan<\/h3><ul class=\"list-1\"><li><strong>Quick and convenient application.<\/strong> You can apply for a Spring Financial personal loan via phone call, or online on your smartphone, tablet or desktop. It doesn\u2019t take long to get approved too \u2013 keep an eye on your phone as a Spring Financial representative may be in touch with you to review your application.<\/li><li><strong>Fair or bad credit is okay.<\/strong> Spring Financial can consider higher-risk applicants, such as those who have less-than-perfect credit.<\/li><li><strong>Flexible loan amounts.<\/strong> You can borrow $500 to $35,000 from Spring Financial to cover expenses such as bill payments, student debt, repairs and renovations.<\/li><li><strong>Flexible terms.<\/strong> You\u2019ll be able to lock in a term starting at 6 months up to 84 months to help bring your monthly payments down. But only extend the life of your loan if you need to, because a longer loan term means paying more interest.<\/li><li><strong>No prepayment penalties.<\/strong> Pay off the loan anytime without penalties or hidden fees.<\/li><li><strong>Unsecured loans with no cosigner needed.<\/strong> You can apply for financing without putting up any collateral or providing a cosigner on your loan. <\/li><li><strong>Available across the country. <\/strong>The Spring Financial Personal Loan is available in all 10 provinces and 3 territories.<\/li><li><strong>E-transfer available. <\/strong>Spring can e-Transfer the funds to you, which many online lenders don\u2019t offer.<\/li><li><strong>Private car financing.<\/strong> If you need to get a loan to buy a car from a private seller, Spring can help.<\/li><\/ul><h3>What to watch out for<\/h3><ul class=\"list-3\"><li><strong>The Foundation credit builder loan. <\/strong>If you don\u2019t qualify for a Spring Financial Personal Loan, you might be offered its Foundation credit builder loan. With this credit builder loan, you make regular loan repayments, including interest, <em>before<\/em> receiving the loan funds, which will take 12 months. The purpose of this product is to improve your credit score. Get $750 back after making payments for 12 months. The Foundation loan is not offered in Saskatchewan, Quebec and New Brunswick.<\/li><li><strong>Steep interest rates.<\/strong> APRs reach up to 34.95%.<\/li><li><strong>Personal references and employment verification.<\/strong> While Spring Financial won\u2019t disclose to your personal references and your employer that you\u2019re seeking a personal loan, you may be asked to provide references to help you secure your loan.<\/li><li><strong>Loan insurance. <\/strong>Spring Financial may offer loan insurance to cover your repayments in the event of a death, illness or job loss. This is 100% optional, and you shouldn\u2019t feel obligated to get it.<\/li><\/ul><h3 id=\"product-comparison-box\">Alternatives to Spring Financial<\/h3>    <style>\n.popover.fade.bottom.in { overflow: visible !important;}\n.table-popover { overflow: visible !important; }\n.luna-card.luna-card--border.luna-card--stretch.comparisonPick-item.flex-item-1 { border-radius: 0; overflow: visible !important; margin: 0 !important;}\n#product-comparison-box { overflow: visible; }\n.aligncenter { max-height: fit-content !important; max-width: fit-content !important;}\n@media (max-width: 960px) {\n    .outer-container {\n        display: flex;\n        justify-content: center;\n    }\n}\n\n.i-1 {\n  z-index: 1;\n  background-color: #F5F4EF;\n  \/* margin-left: 0.5em !important; *\/\n  box-shadow: 4px 6px 0 0 #232320;\n  border: 2px solid #232320;\n \n}\n\n\/* @media (min-width: 768px) {\n  .i-1 { transform: scale(1.026); }\n} *\/\n\n\n.i-2 {\n  border-right: 0;\n  border-top-right-radius: 0;\n  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\/\/margin: 0px !important; \n    width: calc(96% \/ 3) !important;\n    overflow: visible !important;\n  } \n\n  .i-1 {\n  box-shadow: 4px 6px 0 0 #232320 !important;\n  border: 2px solid #232320 !important;\n  border-left: 0 !important;\n  border-top: 0 !important;\n}\n  .luna-card{\n    margin-bottom: 0;}\n  .luna-card--shadow {\n    border: none;\n    box-shadow:none;\n\n}\n\n}\n\n\n\/* @media (max-width:801px)  { \n.comparisonPick-item {\n  margin: 0px !important; \n  width: 70% !important;\n}\n} *\/\n\n\/* @media (max-width:481px)  { \n.comparisonPick-item {\n  margin: 0px !important; \n  width: 85% !important;\n} *\/\n\n#product-comparison-box { overflow: visible; }\n.outer-container { overflow: auto; }\n\n}\n<\/style>\n \n\n    \n  \n    \n\n\n        \n            \n    \n                    \n                                        \n                                                                                                    \n                                \n         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                                      \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                        \n                    \n                                        \n                                                                        \n        \n                        \n        \n                \n        \n    \n\n<div class=\"outer-container\">\n    <div id=\"product-comparison-box\" class=\"container-reviewComparison flex-object\">\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-1\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info 93a41e3b-0889-4fb6-8474-4a164deb7b8a\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">8.6<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"93a41e3b-0889-4fb6-8474-4a164deb7b8a\" data-product-name=\"Loans Canada Personal Loan\" data-niche=\"Personal Loans\" data-provider-name=\"Loans Canada\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to Loans Canada\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/loans-canada-personal-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2293a41e3b-0889-4fb6-8474-4a164deb7b8a%22%2C%22product_name%22%3A%22Loans%2BCanada%2BPersonal%2BLoan%22%2C%22offer_id%22%3A%2217711%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22post_id%22%3A%22916967%22%2C%22post_path%22%3A%22personal-loans%252Fspring-financial-personal-loan-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                $500 - $35,000\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        6 - 60 months\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR Range<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                9.99% - 35.00%\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-2\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info  7fd7d7fc-e864-45a9-b585-bfadfd222da4\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">8.8<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"7fd7d7fc-e864-45a9-b585-bfadfd222da4\" data-product-name=\"LoanConnect Personal Loan\" data-niche=\"Personal Loans\" data-provider-name=\"LoanConnect\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to LoanConnect\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/loanconnect-personal-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22%2B7fd7d7fc-e864-45a9-b585-bfadfd222da4%22%2C%22product_name%22%3A%22LoanConnect%2BPersonal%2BLoan%22%2C%22offer_id%22%3A%2215388%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22post_id%22%3A%22916967%22%2C%22post_path%22%3A%22personal-loans%252Fspring-financial-personal-loan-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                $500 - $60,000\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        3 - 120 months\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR Range<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                8.99% - 35.00%\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-3\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/5fd29e01bcf5b.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5fd29e01bcf5b.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5fd29e01bcf5b.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5fd29e01bcf5b.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5fd29e01bcf5b.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5fd29e01bcf5b.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info  74ff3552-c0de-422f-8508-75f9f428f7ed\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">8.6<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"74ff3552-c0de-422f-8508-75f9f428f7ed\" data-product-name=\"easyfinancial Personal Loan\" data-niche=\"Personal Loans\" data-provider-name=\"easyfinancial\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                $500 - $150,000\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        9 - 240 months\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR Range<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                9.99% - 35.00%\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n            <\/div>\n<\/div><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<\/div>\n<\/article><h3>Summary of Spring Financial reviews<\/h3><p>Spring Financial reviews have been mixed. It has a low rating on the Better Business Bureau but a high rating on Trustpilot and Google. People who recently gave Spring Financial positive reviews commented on its helpful customer service and fast, easy experience. People who recently gave Spring Financial negative reviews commented on its pushiness or lack of clarity with the credit builder loan (The Foundation). There have also been complaints about bad customer service.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 30%; text-align: left;\" scope=\"col\">Feature<\/th><th style=\"width: 70%; text-align: left;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>BBB accredited<\/td><td>No<\/td><\/tr><tr><td>BBB rating<\/td><td>D<\/td><\/tr><tr><td>BBB customer reviews<\/td><td>1.04 out of 5 stars, based on 130+ Spring Financial reviews<\/td><\/tr><tr><td>Trustpilot score<\/td><td>4.6 out of 5 stars, based on 20,000+ Spring Financial reviews<\/td><\/tr><tr><td>Google rating<\/td><td>4.6 out of 5 stars, based on 8,500+ Spring Financial reviews<\/td><\/tr><tr><td>Customer reviews verified as of<\/td><td>January 19, 2026<\/td><\/tr><\/tbody><\/table><h4>Summary of Spring Financial Reddit reviews<\/h4><p>Many Reddit users have shared their experiences with Spring Financial on r\/PersonalFinanceCanada. Positive points centred on how easy it is to get approved for a loan. Alternatively, people who discussed negative experiences on Reddit shared that the loan terms were unclear, which caused them to be confused about which loan they were signing up for until after signing the contract.<\/p><h3>Spring Financial reviews from Finder survey<\/h3><div class=\"fin-carousels \" id=\"fin-carousel0000000000\" data-items-in-view=\"1\" style=\"--items-in-view: 1\">\n    <div class=\"fin-carousels__container\">\n        <div class=\"fin-carousels__slides\">\n            <div class=\"fin-carousel-item\">\n    \n<div style=\"max-width: 830px; width: 100%; margin:0 auto;\">\n    <article style=\"margin:0 auto;\">\n        <div class=\"luna-card__block\">\n\n                        \n            <div class=\"luna-card luna-card--border\" style=\"border-radius: 16px;\">\n            \n            \n            \n            <div style=\"margin: 20px;\">\n\n\n                                \n                <svg width=\"30\" height=\"24\" viewbox=\"0 0 30 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path d=\"M12 3.5225C11.0934 4.74917 10.32 6.10917 9.68005 7.6025C9.04005 9.09583 8.69338 10.4292 8.64005 11.6025C9.97338 12.0825 11.0134 12.8025 11.76 13.7625C12.56 14.7225 12.96 15.8958 12.96 17.2825C12.96 18.9892 12.3734 20.4558 11.2 21.6825C10.08 22.8558 8.66672 23.4425 6.96005 23.4425C5.20005 23.4425 3.73338 22.8558 2.56005 21.6825C1.38672 20.5092 0.800049 18.8025 0.800049 16.5625C0.800049 14.1625 1.44005 11.4425 2.72005 8.4025C4.00005 5.3625 5.78672 2.74916 8.08005 0.5625L12 3.5225ZM28.24 3.5225C27.3334 4.74917 26.5601 6.10917 25.9201 7.6025C25.2801 9.09583 24.9334 10.4292 24.8801 11.6025C26.2134 12.0825 27.2534 12.8025 28 13.7625C28.8 14.7225 29.2 15.8958 29.2 17.2825C29.2 18.9892 28.6134 20.4558 27.4401 21.6825C26.3201 22.8558 24.9067 23.4425 23.2001 23.4425C21.4401 23.4425 19.9734 22.8558 18.8 21.6825C17.6267 20.5092 17.04 18.8025 17.04 16.5625C17.04 14.1625 17.6801 11.4425 18.9601 8.4025C20.24 5.3625 22.0267 2.74916 24.32 0.5625L28.24 3.5225Z\" fill=\"#E3E4E6\"><\/path>\n                    <\/svg>\n\n                \n                                    \n\n                <p style=\"font-size: 18px;\">Explained the process up front, interest rate was scaled back somewhat from what a direct lender would normally charge a client.<\/p>\n\n\n                \n                <div class=\"u-grid\">\n\n                    <div class=\"u-grid__col u-1\/12@s u-1\/3\" style=\"margin: auto 0; padding: 0 .5rem .5rem;\">\n\n                        <a href=\"\"><img decoding=\"async\" class=\"no-lazyload size-full wp-image-2490625\" alt=\"Spring Financial customer from North Vancouver, BC\" style=\"border-radius: 50% 0 50% 50%;\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/03\/FinderLogo_Finder_152x152.png\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/03\/FinderLogo_Finder_152x152.png?fit=152 152w\" sizes=\"(max-width: 152px) 28vw, 152px\"><\/a>\n                    <\/div>\n\n                    <div class=\"u-grid__col u-11\/12@s u-2\/3\" style=\"margin: auto 0; padding: 0 .5rem .5rem;\">\n                        <p>\n                            <span style=\"font-size: 16px; line-height: .5;\"><b>Spring Financial customer from North Vancouver, BC<\/b><\/span><br>\n                            <span style=\"font-size: 14px; color: #6f7278;\"><a href=\"\"><\/a><span>\n                        <\/span><\/span><\/p>\n                    <\/div>\n\n                <\/div>\n            <\/div>\n\n        <\/div>\n        <\/div>\n    <\/article>\n<\/div>\n\n<a name=\"expert-insight\"><\/a>\n<\/div>\n<div class=\"fin-carousel-item\">\n    \n<div style=\"max-width: 830px; width: 100%; margin:0 auto;\">\n    <article style=\"margin:0 auto;\">\n        <div class=\"luna-card__block\">\n\n                        \n            <div class=\"luna-card luna-card--border\" style=\"border-radius: 16px;\">\n            \n            \n            \n            <div style=\"margin: 20px;\">\n\n\n                                \n                <svg width=\"30\" height=\"24\" viewbox=\"0 0 30 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path d=\"M12 3.5225C11.0934 4.74917 10.32 6.10917 9.68005 7.6025C9.04005 9.09583 8.69338 10.4292 8.64005 11.6025C9.97338 12.0825 11.0134 12.8025 11.76 13.7625C12.56 14.7225 12.96 15.8958 12.96 17.2825C12.96 18.9892 12.3734 20.4558 11.2 21.6825C10.08 22.8558 8.66672 23.4425 6.96005 23.4425C5.20005 23.4425 3.73338 22.8558 2.56005 21.6825C1.38672 20.5092 0.800049 18.8025 0.800049 16.5625C0.800049 14.1625 1.44005 11.4425 2.72005 8.4025C4.00005 5.3625 5.78672 2.74916 8.08005 0.5625L12 3.5225ZM28.24 3.5225C27.3334 4.74917 26.5601 6.10917 25.9201 7.6025C25.2801 9.09583 24.9334 10.4292 24.8801 11.6025C26.2134 12.0825 27.2534 12.8025 28 13.7625C28.8 14.7225 29.2 15.8958 29.2 17.2825C29.2 18.9892 28.6134 20.4558 27.4401 21.6825C26.3201 22.8558 24.9067 23.4425 23.2001 23.4425C21.4401 23.4425 19.9734 22.8558 18.8 21.6825C17.6267 20.5092 17.04 18.8025 17.04 16.5625C17.04 14.1625 17.6801 11.4425 18.9601 8.4025C20.24 5.3625 22.0267 2.74916 24.32 0.5625L28.24 3.5225Z\" fill=\"#E3E4E6\"><\/path>\n                    <\/svg>\n\n                \n                                    \n\n                <p style=\"font-size: 18px;\">I got the amount of money I asked for and it was not too expensive to pay it back.<\/p>\n\n\n                \n                <div class=\"u-grid\">\n\n                    <div class=\"u-grid__col u-1\/12@s u-1\/3\" style=\"margin: auto 0; padding: 0 .5rem .5rem;\">\n\n                        <a href=\"\"><img decoding=\"async\" class=\"no-lazyload size-full wp-image-2490625\" alt=\"Spring Financial customer from Windsor, Ontario\" style=\"border-radius: 50% 0 50% 50%;\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=600 600w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=900 900w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 28vw, 1200px\"><\/a>\n                    <\/div>\n\n                    <div class=\"u-grid__col u-11\/12@s u-2\/3\" style=\"margin: auto 0; padding: 0 .5rem .5rem;\">\n                        <p>\n                            <span style=\"font-size: 16px; line-height: .5;\"><b>Spring Financial customer from Windsor, Ontario<\/b><\/span><br>\n                            <span style=\"font-size: 14px; color: #6f7278;\"><a href=\"\"><\/a><span>\n                        <\/span><\/span><\/p>\n                    <\/div>\n\n                <\/div>\n            <\/div>\n\n        <\/div>\n        <\/div>\n    <\/article>\n<\/div>\n\n<a name=\"expert-insight\"><\/a>\n<\/div>\n\n        <\/div>\n    <\/div>\n    <div class=\"fin-carousels__controls\">\n        <button class=\"fin-carousels__nav fin-carousels__nav--prev fin-carousels__nav--disabled\" aria-label=\"Previous slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-left\"><\/use>\n            <\/svg>\n        <\/button>\n        <button class=\"fin-carousels__nav fin-carousels__nav--next fin-carousels__nav--disabled\" aria-label=\"Next slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-right\"><\/use>\n            <\/svg>\n        <\/button>\n    <\/div>\n\n    <div class=\"fin-carousels__dots\" role=\"tablist\" aria-label=\"Carousel navigation\"><!-- Dots will be generated by JavaScript -->\n    <\/div>\n<\/div>\n<h3>Spring Financial application preview<\/h3><div class=\"fin-carousels \" id=\"fin-carousel0000000001\" data-items-in-view=\"1\" style=\"--items-in-view: 1\">\n    <div class=\"fin-carousels__container\">\n        <div class=\"fin-carousels__slides\">\n            <div class=\"fin-carousel-item\">\n    <a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_1.png\"><img decoding=\"async\" class=\"alignnone wp-image-1070773\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_1.png\" alt=\"Spring application step 1\" width=\"566\" height=\"596\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_1.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_1.png?fit=1698 1698w\" sizes=\"(max-width: 1698px) 100vw, 1698px\" loading=\"lazy\"><\/a>\n<\/div>\n<div class=\"fin-carousel-item\">\n    <a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_2_Name.png\"><img decoding=\"async\" class=\"alignnone wp-image-1070774\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_2_Name.png\" alt=\"Spring application step 2\" width=\"516\" height=\"509\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_2_Name.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_2_Name.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_2_Name.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_2_Name.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_2_Name.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_2_Name.png?fit=1548 1548w\" sizes=\"(max-width: 1548px) 100vw, 1548px\" loading=\"lazy\"><\/a>\n<\/div>\n<div class=\"fin-carousel-item\">\n    <a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_3_BorrowAmount.png\"><img decoding=\"async\" class=\"alignnone wp-image-1070775\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_3_BorrowAmount.png\" alt=\"Spring application step 3\" width=\"611\" height=\"473\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_3_BorrowAmount.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_3_BorrowAmount.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_3_BorrowAmount.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_3_BorrowAmount.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_3_BorrowAmount.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_3_BorrowAmount.png?fit=1833 1833w\" sizes=\"(max-width: 1833px) 100vw, 1833px\" loading=\"lazy\"><\/a>\n<\/div>\n<div class=\"fin-carousel-item\">\n    <a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_4_EstimatedCredit.png\"><img decoding=\"async\" class=\"alignnone wp-image-1070776\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_4_EstimatedCredit.png\" alt=\"Spring application step 4\" width=\"695\" height=\"551\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_4_EstimatedCredit.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_4_EstimatedCredit.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_4_EstimatedCredit.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_4_EstimatedCredit.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_4_EstimatedCredit.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_4_EstimatedCredit.png?fit=2085 2085w\" sizes=\"(max-width: 2085px) 100vw, 2085px\" loading=\"lazy\"><\/a>\n<\/div>\n<div class=\"fin-carousel-item\">\n    <a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_5_EmploymentStatus.png\"><img decoding=\"async\" class=\"alignnone wp-image-1070777\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_5_EmploymentStatus.png\" alt=\"Spring application step 5\" width=\"749\" height=\"736\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_5_EmploymentStatus.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_5_EmploymentStatus.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_5_EmploymentStatus.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_5_EmploymentStatus.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_5_EmploymentStatus.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/SpringFinancialApplication_5_EmploymentStatus.png?fit=2247 2247w\" sizes=\"(max-width: 2247px) 100vw, 2247px\" loading=\"lazy\"><\/a>\n<\/div>\n\n        <\/div>\n    <\/div>\n    <div class=\"fin-carousels__controls\">\n        <button class=\"fin-carousels__nav fin-carousels__nav--prev fin-carousels__nav--disabled\" aria-label=\"Previous slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-left\"><\/use>\n            <\/svg>\n        <\/button>\n        <button class=\"fin-carousels__nav fin-carousels__nav--next fin-carousels__nav--disabled\" aria-label=\"Next slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-right\"><\/use>\n            <\/svg>\n        <\/button>\n    <\/div>\n\n    <div class=\"fin-carousels__dots\" role=\"tablist\" aria-label=\"Carousel navigation\"><!-- Dots will be generated by JavaScript -->\n    <\/div>\n<\/div>\n<h3>Does Spring Financial approve everyone?<\/h3><p>No, Spring Financial doesn\u2019t approve everyone. It approves based on your income, credit score and overall financial situation. However, it has a credit builder loan with very easy eligibility requirements. If you don\u2019t qualify for Spring\u2019s personal loan, they may offer you this loan instead.<\/p><h3>What types of Spring Financial loans are available?<\/h3><p>Spring Financial offers the following types of loans:<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 12%; text-align: left;\" scope=\"col\">Loan<\/th><th style=\"width: 30%; text-align: left;\" scope=\"col\">How it works<\/th><th style=\"width: 15%; text-align: left;\" scope=\"col\">Loan amount<\/th><th style=\"width: 15%; text-align: left;\" scope=\"col\">Loan term<\/th><th style=\"width: 18%; text-align: left;\" scope=\"col\">Interest rate<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td><strong>Personal loan<\/strong><\/td><td>Borrow money for any legitimate purpose. Get approved based on your credit score and other personal factors.<\/td><td>$500 \u2013 $35,000<\/td><td>6 - 84 months<\/td><td>9.99% - 34.95%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/td><\/tr><tr><td><strong>The Foundation<\/strong><\/td><td>Make on-time loan payments <em>before <\/em>you receive the money to improve your credit score. Get approved based on your income. Get $750 back after making payments for 12 months. If you don\u2019t make all the payments on time, you may not get any money back.<\/td><td>You\u2019ll build up $750 in savings<\/td><td>12 months<\/td><td>Less than half of each bi-weekly payment goes towards the cost of the Foundation loan<\/td><\/tr><tr><td><strong>Evergreen loan<\/strong><\/td><td>Borrow money for any legitimate purpose. Get approved only if you complete The Foundation program.<\/td><td>$1,500<\/td><td>Up to 18 months<\/td><td>24.75% to 34.99%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/td><\/tr><tr><td><strong>Mortgage<\/strong><\/td><td>Borrow to pay for a house.<\/td><td>Not specified<\/td><td>Not specified<\/td><td>Not specified<\/td><\/tr><tr><td><strong>Home equity loan<\/strong><\/td><td>Use the home equity on your current house to borrow money.<\/td><td>Not specified<\/td><td>Not specified<\/td><td>Not specified<\/td><\/tr><\/tbody><\/table><h3>Spring Financial loan requirements<\/h3><p>To be eligible for a personal loan from Spring Financial, you\u2019ll need:<\/p><ul><li>Min. income of $2,000 \/month, 3+ months employed.<\/li><li>Proof that you\u2019re of the legal age in your province or territory.<\/li><li>Proof of your employment status and monthly income (via pay stubs or bank statements).<\/li><li>A valid Canadian identification card to confirm your identity, your address and phone number.<\/li><li>An active Canadian banking account with direct deposit capability.<\/li><li>Your credit report with your credit score.<\/li><li>Personal references and a workplace contact to verify your employment.<\/li><\/ul><h3>How much does a Spring Financial Personal Loan cost?<\/h3><p>The cost of a Spring Financial Personal Loan depends on your interest rate, loan amount and loan term. As an example, <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/5000-loans\">a $5,000 loan<\/a> at 18.99% over 24 months has a monthly payment of $252. The total interest paid is $1,048.<\/p><div class=\"monthlyRepayment_calculator_wrapper\">\n\t<div class=\"calc-header-outer\">\n\t<div class=\"calc-header-container\">\n\t\t<h3 class=\"calc-header\">Calculate your monthly payments<\/h3>\n\t\t<span><\/span>\n\t<\/div>\n\t<\/div>\n\t<div class=\"u-grid\">\n\t\t<div class=\"u-grid__col u-grid__col u-1\/2@s calc-separator\">\n\t\t\t<table class=\"monthlyRepayment_calc-table\">\n\t\t\t\t<thead>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\" class=\"calc-subheader\">\n\t\t\t\t\t\t\t<div class=\"calc-subheader-text\">Your loan<\/div>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t<\/thead>\n\t\t\t\t<tbody>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\" class=\"padding-top-small\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLoan amount\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t<div class=\"luna-affix affix-padded\">\n\t\t\t\t\t\t\t\t<span class=\"luna-affix__label\">$<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input data-id=\"0000000000\" type=\"number\" min=\"0\" class=\"luna-input calc-input monthlyLoan_amount\" title=\"Enter the loan amount you want to borrow\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/td>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\">Loan terms (in years)<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t<div class=\"luna-affix affix-padded\">\n\t\t\t\t\t\t\t\t<input data-id=\"0000000000\" type=\"number\" min=\"0\" class=\"luna-input calc-input monthlyLoan_term\" title=\"Enter the number of years of your loan\">\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/td>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th scope=\"col\">Interest rate<\/th>\n\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t<div class=\"luna-affix affix-padded\">\n\t\t\t\t\t\t\t\t<input data-id=\"0000000000\" type=\"number\" min=\"0\" step=\"0.1\" class=\"luna-input calc-input monthlyLoan_interest\" title=\"Enter the annual interest rate of your loan\">\n\t\t\t\t\t\t\t\t<span class=\"luna-affix__label\">%<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/td>\n\t\t\t\t\t<\/tr>\n\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t\t<div class=\"button_wrapper\">\n\t\t\t\t<a class=\"luna-button luna-button--primary calc-button\" data-id=\"0000000000\" data-variant=\"loanAmount\">Calculate<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<div class=\"u-grid__col u-grid__col u-1\/2@s\">\n\t\t\t<div class=\"monthlyRepayment_directions\" data-id=\"0000000000\">\n\t\t\t\t<h4 class=\"directions\">Fill out the form and click on \u201cCalculate\u201d to see your\n\t\t\t\t\t\t\t\t\t\t\t<strong>estimated monthly payment.<\/strong>\n\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t<p class=\"margin-top-small\">or<\/p>\n\t\t\t\t<a class=\"luna-button luna-button--action luna-button--large\" href=\"#compare\" target=\"_self\" rel=\"noopener\">Compare personal loans<\/a>\n\t\t\t<\/div>\n\t\t\t<div class=\"savings-div monthlyRepayment_savings-div\" data-id=\"0000000000\">\n\t\t\t\t\t\t\t\t\tYou can expect to pay back\n\t\t\t\t\t<span class=\"monthlyCost_value\">\n\t\t\t\t\t\t$<span class=\"monthlyCost_cost\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\tper month\n\t\t\t\t\n\t\t\t\t<h5>Based on your loan terms<\/h5>\n\t\t\t\t<table class=\"luna-table monthlyCost_breakdown\">\n\t\t\t\t\t<tbody class=\"luna-table__body\">\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<th scope=\"row\">Principal<\/th>\n\t\t\t\t\t\t\t<td class=\"luna-table__numeric\">$<span class=\"monthlyCost_loanAmount\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<th scope=\"row\">Interest<\/th>\n\t\t\t\t\t\t\t<td class=\"luna-table__numeric\">$<span class=\"monthlyCost_interest\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t<th scope=\"row\">Total Cost<\/th>\n\t\t\t\t\t\t\t<td class=\"luna-table__numeric\">$<span class=\"monthlyCost_totalCost\" data-id=\"0000000000\"><\/span>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t\t\t\t<\/table>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<h3>What are Spring Financial\u2019s interest rates?<\/h3><p>Spring Financial offers <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/personal-loan-interest-rates-canada\">personal loan rates<\/a> ranging from 9.99% at the low end and 34.95%<span class=\"table-popover\" rel=\"popover\" data-content=\"Interest rates shown reflect the Annual Percentage Rate (APR) range advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender's terms and conditions and credit criteria.\" title=\"\" data-original-title=\"Interest rates\" tabindex=\"0\"><\/span> at the high end. The interest rate you qualify for will depend on your personal financial factors like your credit score and income.<\/p><h3>Can you get a loan from Spring Financial with poor credit?<\/h3>Spring Financial offers loan options for people with damaged credit and is more likely to approve such applicants than banks and credit unions. However, a lower credit score can result in a higher interest rate on your loan. If you don\u2019t qualify for a personal loan with bad credit, you may be offered The Foundation loan.<article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/best-bad-credit-personal-loans\" style=\"text-decoration:underline; font-size:0.9em;\">Best bad credit loans<\/a>\n<\/div>\n<\/article><h3>How to apply for a Spring Financial Personal Loan<\/h3><p>To apply, click the \u201cProducts\u201d dropdown menu at the top of the page, select \u201cPersonal Loan,\u201d then click \u201cGet a Loan Quote.\u201d The whole application process shouldn\u2019t take more than five minutes to complete:<\/p><ol><li>After providing your name and email address, the first prompt will ask you how much you\u2019d like to borrow, from $500 up to $35,000. You can select from different ranges, including: $500 \u2013 $3,000, $3,001 \u2013 $7,000, $7,001 \u2013 $15,000, $15,001 \u2013 $25,000 or $25,001 \u2013 $35,000.<\/li><li>After you\u2019ve selected the amount you\u2019d like to borrow, it will then ask you to select your credit score rating. You\u2019ll need to have your credit score rating to answer this question, but there are also options for no credit and bankruptcy as well.<\/li><li>You\u2019ll then be asked about your employment status with options including self-employed, retired\/pension, long-term disability, EI and no current income.<\/li><li>You\u2019ll then have to specify the amount of your income and how long you\u2019ve been receiving it.<\/li><li>The next prompts will ask for personal details, including your full name, home address, your birthday, and your phone number and email address.<\/li><li>You\u2019ll then have to connect your bank account through a secure connection.<\/li><li>Once you\u2019ve done everything on your end, Spring Financial will review your application and will contact you within the next 24 hours regarding the approval process, your loan quote and next steps.<\/li><li>After you review and approve your loan agreement, you can provide your banking information and your loan will be deposited into your account via e-transfer within a single business day.<\/li><\/ol><h3>I got the Spring Financial loan. Now what?<\/h3><p>Once you\u2019re reviewed and signed your loan agreement, funds will be e-transferred to you on the same day or directly deposited within two to three days. Your repayment options will be outlined in your contract with Spring Financial. Payments start at as low as $31 bi-weekly, but they\u2019ll vary based on factors such as your loan size, interest rate and term.<\/p><p>Make sure you fit this loan repayment into your budget and either set up an auto payment or mark the due date on your calendar so you don\u2019t miss any payments. You can pay off your loan early without any penalties if you\u2019re interested in getting out of debt faster.<\/p><h3>Bottom line<\/h3><p>Spring Financial is a viable option if you need an online personal loan fast and may not qualify with a financial institution. However, when you apply for a Spring Financial personal loan, you may be redirected to a credit builder loan (The Foundation) if you don\u2019t qualify for Spring\u2019s personal loan. If this happens, don\u2019t rush into taking out The Foundation without considering your other options. Make sure a credit builder loan like The Foundation is right for your current situation.<\/p><ul class=\"u-grid\">\n                          \n  <li class=\"u-grid__col u-1\/4@m\">\n    <div class=\"luna-tile \">\n                    <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/bad-credit-personal-loans\" target=\"_blank\">\n          <div class=\"luna-tile__image\">\n  <img class=\"luna-image lazyload\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/coinsstackedandinajar_Canva_250x250.jpg\" alt=\"Coins stacked up to a coin jar\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/coinsstackedandinajar_Canva_250x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/coinsstackedandinajar_Canva_250x250.jpg?fit=250 250w\" sizes=\"(max-width: 250px) 100vw, 250px\" src=\"\" loading=\"lazy\">\n<\/div>        <\/a>\n                    <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/bad-credit-personal-loans\" target=\"_blank\">\n          <div class=\"luna-tile__footer\">\n    <div class=\"luna-tile__content\">\n    <h4 class=\"luna-tile__title \">Bad credit loans in Canada<\/h4>\n      <\/div>\n<\/div>        <\/a>\n          <\/div>\n  <\/li>\n                          \n  <li class=\"u-grid__col u-1\/4@m\">\n    <div class=\"luna-tile \">\n                    <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/personal-loan-interest-rates-canada\" target=\"_blank\">\n          <div class=\"luna-tile__image\">\n  <img class=\"luna-image lazyload\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/magnifyingglassonpaperwithinterestrates_Canva_250x250.jpg\" alt=\"Personal loan interest rates\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/magnifyingglassonpaperwithinterestrates_Canva_250x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/magnifyingglassonpaperwithinterestrates_Canva_250x250.jpg?fit=250 250w\" sizes=\"(max-width: 250px) 100vw, 250px\" src=\"\" loading=\"lazy\">\n<\/div>        <\/a>\n                    <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/personal-loan-interest-rates-canada\" target=\"_blank\">\n          <div class=\"luna-tile__footer\">\n    <div class=\"luna-tile__content\">\n    <h4 class=\"luna-tile__title \">Personal loan interest rates<\/h4>\n      <\/div>\n<\/div>        <\/a>\n          <\/div>\n  <\/li>\n                          \n  <li class=\"u-grid__col u-1\/4@m\">\n    <div class=\"luna-tile \">\n                    <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/bad-credit-personal-loans\/credit-builder-loans\" target=\"_blank\">\n          <div class=\"luna-tile__image\">\n  <img class=\"luna-image lazyload\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/loanapplicationandcreditscore_Canva_250x250.jpg\" alt=\"Loan application and credit score on mobile app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/loanapplicationandcreditscore_Canva_250x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/loanapplicationandcreditscore_Canva_250x250.jpg?fit=250 250w\" sizes=\"(max-width: 250px) 100vw, 250px\" src=\"\" loading=\"lazy\">\n<\/div>        <\/a>\n                    <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/bad-credit-personal-loans\/credit-builder-loans\" target=\"_blank\">\n          <div class=\"luna-tile__footer\">\n    <div class=\"luna-tile__content\">\n    <h4 class=\"luna-tile__title \">Credit builder loans<\/h4>\n      <\/div>\n<\/div>        <\/a>\n          <\/div>\n  <\/li>\n                          \n  <li class=\"u-grid__col u-1\/4@m\">\n    <div class=\"luna-tile \">\n                    <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/fast-personal-loans\" target=\"_blank\">\n          <div class=\"luna-tile__image\">\n  <img class=\"luna-image lazyload\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/clockandcalendar_Canva_250x250.jpg\" alt=\"Clock and calendar\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/clockandcalendar_Canva_250x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/05\/clockandcalendar_Canva_250x250.jpg?fit=250 250w\" sizes=\"(max-width: 250px) 100vw, 250px\" src=\"\" loading=\"lazy\">\n<\/div>        <\/a>\n                    <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/fast-personal-loans\" target=\"_blank\">\n          <div class=\"luna-tile__footer\">\n    <div class=\"luna-tile__content\">\n    <h4 class=\"luna-tile__title \">Quick personal loans<\/h4>\n      <\/div>\n<\/div>        <\/a>\n          <\/div>\n  <\/li>\n<\/ul><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Is Spring Financial safe?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Spring Financial uses Flinks as part of the underwriting process, which is used by many other financial companies and is widely considered a secure online bank verification tool.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Is Spring Financial a scam?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Spring Financial is a legitimate direct lender. However, watch out for scammers pretending to be Spring Financial.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">How long will it take to get my money?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Spring Financial's process is 100% online. You can get your money as soon as the same business day.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">How do I know if I've been approved for a loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Spring Financial says it doesn't take long to get an approval. Basically, once you've applied, keep an eye on your phone as a representative will call you to review your application and organize your next steps.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\n                <span class=\"luna-accordion__title\">How long does the process take?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The application and approvals process can be done in a single phone call. Once you're approved, you can sign loan documents on the spot and receive the funds into your account as early as the same day. Almost all deposits are made within one to two business days, according to Spring Financial.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000006\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000006\">\n                <span class=\"luna-accordion__title\">What information is disclosed to references?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000006\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Only some applicants will need to provide personal references and employment verification. With personal references, Spring Financial will not call your reference during the application process but will instead keep the reference information on file.<\/p><p>For employment verification, Spring Financial says it will call your place of work to confirm that you do work for the company. Whoever confirms your employment will not be told what you're applying for and Spring Financial will not disclose any of your application details.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000007\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000007\">\n                <span class=\"luna-accordion__title\">What is Spring Financial's approval rate?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000007\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Spring Financial has a higher approval rate than banks and credit unions. 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Articles are <a href=\"https:\/\/www.finder.com\/ca\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/ca\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.orgbook.gov.bc.ca\/entity\/FM0651340\" target=\"_blank\">OrgBook BC: Spring Financial registration<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Secure a Spring Financial personal loan with a quick online application or phone call, and explore options if you have bad credit.<\/p>\n","protected":false},"author":987,"featured_media":1028952,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[407],"tags":[],"asset_tag":[],"class_list":["post-916967","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Spring Financial Review: Worth It in 2026?<\/title>\n<meta name=\"description\" content=\"Spring is one of the most popular online lenders in Canada, boasting a 3-minute application and same-day funding. Find out if it&#039;s for you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/personal-loans\/spring-financial-personal-loan-review\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Spring Financial Review: Benefits &amp; Risks | Finder Canada\" \/>\n<meta property=\"og:description\" content=\"Spring is one of the most popular online lenders in Canada, boasting a 3-minute application and same-day funding. 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