Very fast on every level!! Extremely user friendly making the application process quick and easy. The funding was in my account in just a few minutes. Turn around time to reapply is also surprising... See more
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E-transfer took a little long due to bank side and an issue with Interac. But they noticed it themselves and reached out informing me it’s been sent but they see there’s been a delay. Very good custom... See more
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I applied for a personal payday loan from Simple Financial for $300 and initially was denied. Then i received an email say they took another look at my application and decided to approve me for $150.... See more
Company replied
Okay, here is my story. I'm a single full-time father with 2 children. My credit isn't great, but I'm actively working to improve it. This loan, although it may not seem like much, was something my... See more
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Company details
Written by the company
At Simple Financial, your peace of mind is our priority. We understand that life can bring unexpected expenses, and our mission is to provide a safe, reliable, and stress-free borrowing experience when you need it most. As a licensed payday loan provider in Ontario and British Columbia, we operate strictly under provincial laws and regulations, ensuring every loan is offered with full compliance and transparency. Our clients can feel confident knowing they are working with a responsible lender that puts fairness and integrity first. What sets us apart is our commitment to: Customer Service: We treat every client with respect, care, and understanding. Transparency: Clear terms, no hidden fees, and honest communication. Speed: Quick approvals and fast access to the funds you need, when you need them. Whether it’s an urgent bill or an unexpected situation, we’re here to help you bridge the gap with dignity and efficiency. At Simple Financial, we believe in making short-term lending straightforward, safe, and supportive for all our clients.
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4.7
Excellent
586 reviews
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Awesome Company Very quick application
Application only took about 5 minutes and that because I gave 3 references only need two but figured it would hopefully help get me approved and well I did get approved for 150.00 not the 800. I needed and that’s ok I know you have to prove yourself making the payments on time and that’s understandable for a company not checking your credit . It was really fast under 15 minutes from start to money being deposited . If you need a loan definitely check this company out.
November 5, 2026
Reply from SimpleFinancial
Hi Jeffrey,
Thank you so much for the detailed and honest review! You summed up our approach perfectly. We know amounts aren’t always what’s hoped for at first, but our goal is to be there for clients over the long run as that track record builds. We’re glad the experience matched what we aim for, and we appreciate you giving us a chance to earn that trust.
Warm regards,
Reply from SimpleFinancial
Hi Lou,
“Simple and easy” — that’s exactly what we aim for every day, so thank you for sharing that! We know finances are stressful enough without jumping through hoops. We appreciate you.
Warm regards,
Reply from SimpleFinancial
Hi Aaron,
“Hassle free” — those might be our two favorite words! Thank you so much for sharing that. We work hard to respect our clients’ time and effort, and we’re really glad that came through for you.
Warm regards,
Great to deal with
Great to deal with, everything up front, and website with client dashboard is great to use.
Honest review not part or a discount or something like that. Will use them again if needed.
October 2, 2026
Reply from SimpleFinancial
Hi Alexander,
Thank you so much for the kind and thoughtful review! Transparency is a huge priority for us — no one should have to wrestle with fine print or hidden catches. We’re really glad that came through, and that the site and dashboard were smooth and clear to use. That’s exactly the experience we want every client to have.
Warm regards,
This one surprised me
This one surprised me I wasn't expecting to get this one. I received a text from them the next day that I had been approved for a smaller amount then I had applied for I was greatfull for the opportunity to establish some history with them. All I had to do was sign my contract and the money was deposited into my account within an hour. I also appreciated the email I was sent after they received their repayment. Very professional and I definitely would recommend them. Well done!
October 23, 2026
Reply from SimpleFinancial
Hi Jeffrey,
We really appreciate you taking the time to share such a thoughtful review. You captured our approach perfectly. We know approved amounts aren’t always what’s hoped for at first, but our goal is to be a long-term partner for our clients as that history builds. Thank you for giving us a chance to work toward that trust — it means a lot, and we don’t take it for granted.
Warm regards,
The money hasn't showed up in my account
November 4, 2026
Unprompted review
Reply from SimpleFinancial
Hi there,
I wanted to follow up on your review about the funds not arriving in your account as expected. Our team has been looking into this since your initial post. Could you please reach out to us at info@simplefinancial.ca with your name and the email address you used to apply? We want to get to the bottom of this and ensure your funds are delivered properly.
This is not the experience we want any client to have, and we’re committed to resolving it fully. Please let us know if you have any other questions or concerns in the meantime. We appreciate your patience and look forward to making this right.
Warm regards,
Reply from SimpleFinancial
Hi there,
Thank you so much for the kind review! Being there to help bills get paid on time is exactly why we do what we do, and we’re really glad we could come through for you. We appreciate you.
Warm regards,
Very easy and quite quick response
Very quick, simple and easy procedure. 99% approval rate. All it takes is 10 min. top, and funds are in your bank account.
Highly recommended!
November 3, 2026
Reply from SimpleFinancial
Hi there,
Thank you so much for the kind review and the recommendation! Ten minutes top from start to funds in your account — that’s exactly the standard we hold ourselves to, and we’re really glad it worked out that way for you. We appreciate you.
Warm regards,
My loan
The app is easy to use. The response is pretty quick and I was able to get the loan I needed with in minutes
I am very satisfied and greatful
October 18, 2026
Reply from SimpleFinancial
Hi Hubert,
You’re so welcome, and thank you for the kind review! An easy app paired with quick responses is exactly the combo we work toward every day, and we’re really glad we could come through for you when it mattered. Take care.
Warm regards,
Maybe consider a larger amount than 150.
November 3, 2026
Reply from SimpleFinancial
Hi Janice,
Thank you for the honest feedback! Approved amounts factor in affordability and our lending criteria, so they don’t always match the requested amount, especially early in a client relationship. As we build a longer track record together, higher amounts often become possible down the road, so please keep us in mind for the future. We appreciate you giving us a chance.
Warm regards,
It was so efficient I didn’t even…
It was so efficient I didn’t even notice I’d done anything !! Well done
November 3, 2026
Unprompted review
Reply from SimpleFinancial
Hi Kerry,
Ha, this made our team smile — thank you! That’s honestly one of the best compliments you could give us. If it feels effortless, we’ve done our job right. Really glad it felt that way for you.
Warm regards,
Fast and pleasant to speake with.
November 2, 2026
Reply from SimpleFinancial
Hi Wendy,
Thank you so much for the kind review! Fast AND pleasant to deal with — those two together are exactly what we aim for, because nobody should feel rushed or treated coldly. Really glad both came through for you.
Warm regards,
Amazing
Actually, a really great service that was so surprised looks like they’re really growing the way to establish credit as well
Thank you
October 16, 2026
Reply from SimpleFinancial
Hi there,
Thank you so much for the kind review! We really do work hard to make the service feel welcoming and reliable, and we’re genuinely glad we exceeded your expectations. We appreciate you taking a moment to share this.
Warm regards,
They were quick and seemless
October 25, 2026
Reply from SimpleFinancial
Hi Wanda,
Thanks so much for the kind review! Quick and seamless — that’s exactly the experience we work toward every day, and we’re really glad we delivered for you. We appreciate you.
Warm regards,
Easy and to the point agreement
Easy and to the point agreement. No hidden costs or legal mumble jumble. What you read is what you get. Great company to deal with.
November 1, 2026
Unprompted review
Reply from SimpleFinancial
Hi there,
Thank you so much for the kind review! “No hidden costs or legal mumble jumble” might be our new favourite compliment — that’s exactly what we set out to be. Clients deserve to know exactly what they’re signing without needing a dictionary. Really glad that came through for you.
Warm regards,
Interest is a tad high for 300 spot
October 23, 2026
Reply from SimpleFinancial
Hi Jonathan,
Thank you for the honest feedback — we hear you. As a licensed payday lender in Ontario and British Columbia, our rates are set within the maximum allowed under provincial consumer-protection regulations and are disclosed upfront with no surprises at signing. We know rates on short-term lending aren’t cheap, which is why we always encourage borrowing only what’s truly needed and paying back as quickly as possible to minimize cost. We appreciate you taking the time to share this.
Warm regards,
Quick service.
October 24, 2026
Reply from SimpleFinancial
Hi Troy,
Thank you so much for the kind review! Quick service is one of our top priorities, and we’re really glad we delivered for you. We appreciate you taking a moment to share this.
Warm regards,
The system is not very well coordinated…
The system is not very well coordinated and is misleading to a customer. My app says that I am pre-approved/loan paid in full and can receive funds in 15 minutes yet I am told that you cannot confirm that the payment was made by viewing my bank account. I also received an email from Simple Financial saying that my loan was paid in full which I sent to you. I’m calling B.S. THANKS FOR WAISTING MY TIME. One more thing my last loan was the third loan in a row and I never received split payments as required by law.
October 31, 2026
Unprompted review
Reply from SimpleFinancial
Hi Richard,
Thank you for taking the time to share this feedback, and we’re sorry for the frustration. We want to address both of your points directly.
On the split payments: as required by law, our Extended Payment Plan (EPP) is offered to every eligible client on their third concurrent loan and is clearly presented as an option within the loan contract itself. Clients can choose to activate it when signing. If this wasn’t selected on your file, it may simply have been that the standard repayment option was chosen at signing — but we’d be glad to walk through this with you directly and confirm what happened.
On the payment confirmation discrepancy, we’d like to look at your file to understand what you saw versus what our system shows, and clear up any confusion.
Please reach out to us at info@simplefinancial.ca and our team will review both items with you and get back to you with clear answers.
Warm regards,
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