1. You must have a stable full time job.

2. Proof of employment (a working permit or recent paystub.

3. Proof of residence (a bill with your address and name on it)

4. A chequing account in your name

In most cases you will be approved within a couple of hours. However, sometimes we experience a high volume of phone calls and cannot attend to your application immediately within 24 hours at most.

There are 2 options for you to receive the money. (1) You can request a business e-transfer. The money would be deposited within the hour. (2) You may request cash. Providing cash may take up to 72 hours.

Our finance charges are simple to calculate. For each $1000.00 borrowed it will cost $40.00 per month. For example $1000.00 for 3 months will cost you $40.00 * 4 months = $120.00. You pay back $1120.00 over a 4 month time period. Principal and interest all in.

The first payment will be due no more than 3 weeks from the date you signed the loan agreement, but must land on the date of your payday. The following payments will be either every 2 weeks monthly depending on when you actually get paid. The dates of your payments will be worked out at the time you sign the loan agreement.

In some cases we are able to provide loans to people on EI.

Our loans range from $500.00 to $5000.00. It is on a case by case basis for the amount the person or persons will qualify for.

In most cases we prefer to have one loan at a time. However, depending on the circumstances and how well you have paid in the past. It may be possible.

Please contact us with the new information at info@lendingwithease.com

You can prepare the interest only. In some unique circumstances we will allow you to pay interest only and skip one or two payments. However, this will change the original ending date.

If any of your payments get returned for any reason. You will need to pay that payment plus a $50.00 NSF fee to us plus whatever your bank charges you. If you are aware that this may happen or did happen, please contact us to make arrangements of paying this in order to keep a good credit standing. If you do not we will contact you as soon as we are aware that your payment has been returned.

You should realize that it is a privilege to borrow money and you can rest assured you will have an emergency in the future and if you ignore our phone calls of course we will never renew your loan, just for starters. Also, we have very strict policies on collection and will report your payment patterns to the credit bureau and then start one or more of the following procedures. Garnish wages, Bank accounts, put a lien against any property you own now or in the future including your vehicle, hire a bailiff to seize your personal belongings for auction. These procedures will be very costly to you and will surely cause anxiety and embarrassment for you. If you find yourself in a situation that you are unable to make payments, it would be better for you to communicate with us and make comfortable arrangements rather than hiding away.

You should contact us immediately, we would probably try to make comfortable arrangements for you, resulting in less embarrassment, less collection costs and perhaps reestablishing your credit with us and the credit bureau. It would be better for you to communicate with us and make comfortable arrangements rather than ignoring this.

If the loan you have with us is unsecured, you are legally not required to pay us. However, I would suggest for you to make a confidential payment arrangement with us. For sure you will have an emergency in the future and if you filed bankruptcy and still paid us. For sure we would renew your loan and nobody else will.

If your loan with us has a co-signer and you decide to include us in your bankruptcy. The co-signer will have to pay. The co-signer is not protected by your bankruptcy unless they file bankruptcy as well.

If the loan you have with us is secured against your house or vehicle. You cannot include us in your bankruptcy. We are secured.