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Spring Financial Review

Spring Financial


Spring Financial is an online-based company that specializes in providing quick lending solutions to consumers across Canada. The mission of the company is to give each Canadian access to fast and transparent financial services and lending products. Their products are meant to help borrowers improve their financial situation, boost savings, and build credit


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What Is Spring Financial?

Spring Financial reviews are mainly positive which helps to increase the company’s reputation. They have designed innovative lending products that let consumers begin their credit journey with less effort no matter what their financial past has been. Each of the products issues by Spring Financial is designed to provide Canadian citizens with access to additional money or the best ways to improve their credit.

How to Get a Loan with Spring Financial?

If you are planning to obtain a loan at this company, you should know about the application process. This review is meant to offer an unbiased description of this company as well as its services and products to help you make the right decision. Unlike a secured savings loan from a brick-and-mortar lending institution, Spring Financial chat offers you a chance to get approved for a quick unsecured loan.


The application process is fast and hassle-free as it takes just a few minutes to submit a loan request. Do you know what do you need to get a loan? The whole process is conducted online so it saves the borrower’s time while you have an opportunity to receive the money into your bank account as soon as the next business day. The borrowers may request between $500 and $15,000 for various financial needs including debt consolidation, student loan repayments, financial emergency, home renovation, etc.

Types of Loans That Are Offered By Spring Financial

The company offers 24 hours of operation every day so it’s convenient to apply for a loan whenever you need it. Whether you live in Vancouver or Montreal, you may submit a quick online request from any place. Also, look through Cash Max Review if you want to compare options. There are several loan options offered by Spring Financial:

  • The Foundation. This is the company’s signature credit and savings building product that is available for every client. This program allows borrows to establish a positive payment history as well as savings balance. This is the first step a client needs to fulfil in order to gain access to the up-front cash Evergreen Loan. The Foundation credit builder loan means a borrower makes loan repayments with the interest rate prior to getting the funds. This process may take about 6 months.
  • Evergreen Loan. The borrowers may apply for the $1,500 Evergreen Loan once they finished 12 months of the Foundation credit building program and saved $750. They have the right to spend $1,500 as they wish. Once this sum is repaid the borrower can qualify for another $1,500 at the same interest rate which is 18.99%.
  • Personal Loan. Also, borrowers may obtain a personal loan from this company. This is a lending solution where you can borrow up to $15,000 to finance your urgent needs or cover immediate bills. The minimum amount to borrow is $500. You can use live chat to contact customer support if you have any questions about this loan. Generally, all borrowers are accepted including low-credit holders and those who have filed for consumer proposal or bankruptcy.
  • Mortgages. Another useful feature is the ability to purchase a home using a mortgage from one of 40 partners and banks that cooperate with Spring Financial. Also, borrowers may consolidate existing debts into a single payment to help them repay them faster. Another option is a line of credit and mortgage combo. This is a suitable solution for those who can qualify for lower rates and get approved for a HELOC.

How to Qualify for a Spring Financial Loan

It’s quite easy to qualify for a personal loan from Spring Financial. The borrower has to:


easy application Be over 18 years old


easy applicationHave a steady income of at least $1,800 per month


easy applicationBe employed for at least 3 months


easy applicationBe a Canadian citizen or resident


easy applicationProvide proof of monthly income and employment status (bank statements or pay stubs)


easy applicationHave an active bank account


easy applicationHave a credit report with their credit rating


easy applicationProvide references and a contact from the workplace to check their employment.


FAQs About Spring Financial

What is Spring Financial?

Spring Financial is an online-based company that specializes in providing quick lending solutions to consumers across Canada. The mission of the company is to give each Canadian access to fast and transparent financial services and lending products.


Is Spring Financial legit?

Yes, Spring Financial is a legit and certified company. It has been operating for several years and has gained a good reputation with lots of positive feedback from the clients.


Who owns Spring Financial?

Canada Drives Group is the parent company of Spring Financial. This company is reputable and trustworthy to offer lending services and products to Canadians.


How to cancel Spring Financial loan?

If you want to cancel the loan from Spring Financial you should use Spring Financial contact number or their live chat. The contact for any concerns and further details is 1-888-781-8439.


Is Spring Financial and Fresh Start the same?

Fresh Start Finance has been rebranded as Spring Financial. This is the same company now and its parent company is Canada Drives Group.


How long does it take to get money from Spring Financial?

It takes one business day to obtain the money provided that your loan request was approved. Whether you live in Ottawa, Vancouver BC, or other places, you may easily apply online near me. There are many locations available to request a personal loan.


Does Spring Financial report to a credit bureau?

Yes, the company reports to credit bureaus in order to help consumers not only receive fast loans without complaints but also repair their credit history and save money.


How do I contact Spring Financial?

You may contact the company at 1-888-781-8439. Borrowers may request information about general inquiries, The Foundation program, lending options, etc.

What Makes Spring Financial Personal Loans Unique?

This company is unique as it offers lending products and services to consumers who are in need. Do you need to get some money during the pandemic? Spring Financial provides quick financial assistance to clients who are currently in consumer proposal or bankruptcy.


Also, they accept applications from people with less-than-stellar credit ratings and those who have been discharged from consumer proposals and bankruptcy. Online chat may be useful for borrowers who have questions about applications. The company works 24 hours a day, so you can log in and choose the most suitable lending solution tailored to your needs.

Spring Financial Services

Spring Financial offers several financial services including The Foundation, Evergreen Loan, Personal Loan, and Mortgages. Each client will find a suitable solution to cover their monetary needs or finance what they can’t afford. There are many benefits to apply to Spring Financial:


  • Accept All Credit. This company is among several services that accept consumers with any credit. Even if you are a low credit borrower or you have filed for a consumer proposal or bankruptcy you may still apply and obtain the necessary funds.
  • Fast Application. Borrowers may apply for a personal loan directly from their smartphones, tablets, or laptops at any time of the day. Pre-approval is quick and takes just a few minutes. The representative of the company will contact the borrower.
  • Any Loan Amount. Whether you need a small sum of $500 or a large amount of $15,000, this company can provide you with quick monetary aid for various needs. Student loans, car repairs, home renovations, student debts may all be covered with this loan.
  • No Hidden Fees. There are no maintenance fees, application fees, or other hidden charges.
  • Unsecured Loans. The personal loans issued through this service don’t require any collateral. Also, there is no need to find a cosigner to secure the loan. Employment verification may be needed for consumers who have filed for bankruptcy.
  • Flexible Terms. Personal loans are issued for different periods. You may obtain the money for 9 to 48 months and even extend the repayment term if necessary.

I Got the Spring Financial Loan. What Is the Next Step?

Once you were approved for the loan and were given the funds, you need to be responsible and repay the debt on time. Make sure you understand the loan terms and conditions. Learn about the interest rates and applicable fees to calculate the total amount of funds you need to pay off each month. Once you repay the debt your credit rating will be boosted.


You may utilize the funds for various needs. The money is usually transferred and deposited into the borrower’s bank account within one day. Payments begin at $37 every fortnight but this information varies depending on the loan amount, the loan term, and the interest rate. Make sure you spend the money wisely as this debt should be returned to the creditor.

How to Apply?

The application process is easy and secure:

  1. Visit the company website. Tap the amount you want to borrow from $500 to $15,000.

  2. Choose your credit rating. Also, there are options for bankruptcy or no credit.
  3. Tell the purpose of your loan (debt consolidation, car repair, vacation, bill payments, home renovation, etc.).
  4. Mention your personal details in the application (your full name, date of birth, address, phone number)
  5. The representative from Spring Financial will check your details and contact you within 24 hours.
  6. Once the request is approved, the borrower will obtain the funds within one business day.

In conclusion, if you have been rejected by the local banks or credit unions, applying to Spring Financial may be your chance to get funded for urgent money needs even if your credit rating is less-than-perfect.


Regardless of the borrower’s credit history, Spring Financial usually approved requests even from those who have filed for consumer proposals or bankruptcy. Make sure you have a steady income source and can provide references to get approved for a personal loan here.