Spring Financial  Reviews 20,328

TrustScore 4.5 out of 5

4.6

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their helpfulness, knowledge, and friendly approach. Consumers felt supported throughout the entire process, with many highlighting the team's patience in answering questions and explaining details clearly. People also appreciate the personalized service, with staff members taking the time to understand individual circumstances and offer tailored advice. The overall service and user experience are highly regarded, with reviewers frequently mentioning the seamless and efficient loan process. Many customers were impressed by the speed of approval and fund transfer. The team's commitment to helping clients build better financial habits is also a recurring theme. However, opinions on payment processes are mixed, with some reviewers expressing concerns about unexpected withdrawals and conflicting information.

Based on these reviews

Rated 5 out of 5 stars

I explained that I speak french so they understand & they started to speak slowly & alway make sure that I understand & they repeat when I was not sure. They also asked me if I wanted someone who spea... See more

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Rated 5 out of 5 stars

Upon speaking with agents at Spring financial regarding my credit history. They had suggested the Foundation program and how it helps build credit score. The agent I spoke to was very helpful, kno... See more

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Rated 5 out of 5 stars

When life throws lemons at you with each passing day but we try to find the silver lining...it can be extremely challenging when financially struggling as a single parent, on a single income. Spring... See more

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Rated 5 out of 5 stars

Honestly the whole process from application to approval was so easy. The team was very courteous and even worked with me around my work schedule. Everyone there was very pleasant to deal with, made ev... See more

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Rated 5 out of 5 stars

What made my experience Great is the team of experienced, very knowledgeable well represented spring Financial professionals Shilpa was very knowledgeable and assisted me in getting started.... See more

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Rated 4 out of 5 stars

The process was incredibly fast and easy. I received my consolidation loan much quicker than I ever imagined, and the team gave me helpful advice to improve my financial health. I felt supported fro... See more

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Rated 5 out of 5 stars

I can’t believe how friendly everybody was! My only regret is not doing this sooner honestly… The first agent I spoke to was VERY knowledgeable and friendly! She told me about my credit, educated me a... See more

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Rated 5 out of 5 stars

Absolutely amazing experience! The loan process was seamless and efficient. The team was friendly, helpful, and guided me through every step. The interest rate was competitive, and the repayment terms... See more

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Rated 5 out of 5 stars

Spring Financial is very helpful especially the person who’s handling my loan request his name is Antonio. I got approval in an hours, I’m happy because this is a big help for our family to move in a... See more

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Rated 1 out of 5 stars

I applied to Spring Financial only for a loan. I never requested or consented to the “Foundation” program. Despite this, Spring Financial withdrew $70 bi-weekly from my bank account. I called sup... See more

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Rated 5 out of 5 stars

Honestly I am overwhelmed.i didn't expect the outcome starting to register my application down to talking to real person,honestly they are so very friendly.i just tried the minimum loan but they actua... See more

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Rated 5 out of 5 stars

It was a good conversation and good experience with the representative today. I’m thankful that I got to know this foundation that will help boost my credit score. This is a good encouragement tha... See more

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Rated 5 out of 5 stars

I’ve been struggling with lots of debt but banks weren’t willing to help me consolidate everything into one payment. They were easy to deal with and I get to rebuild my credit at the same time. It’s u... See more

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Rated 5 out of 5 stars

Very polite and patient easy to work with hence the name id say really helped me relax and not worry about my debts and future payments coming up thank you so much!

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Rated 1 out of 5 stars

it went good other then being lead on that we were going to be getting 8000$ to 15 000$ but only got 800$ while the car place is now turning us down cause we told them we could make the down payment t... See more

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Rated 5 out of 5 stars

I got pre-approved for a higher amount than I requested which should help me out greatly. I am currently waiting for it to be deposited the day after approval. My only complaint was when I was sen... See more

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Rated 5 out of 5 stars

This is a good experience for someone who runs into a little bit of a set back. They came through for me with respect and compassion which was greatly appreciated. They are helping me to get back on... See more

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Rated 5 out of 5 stars

I had a lot of questions and the staff was extremely helpful and patient. Especially Alex from the Vancouver office who answered my call. They got me processed on the same day, even though I applied 3... See more

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Rated 4 out of 5 stars

I am so grateful and thankful for the helpful advice provided every step of the application process right through to the approval! The staff were thorough and professional. My only piece of feedback i... See more

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Rated 5 out of 5 stars

Very straight forward and professional. No wasting time and went up and beyond what my expectations were because cr3dit score is only fair but they took all my history into account and seen i don't m... See more

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Rated 1 out of 5 stars

Make sure to reads and understand all their foundations and offers on SPRING FINANCIAL! I am a bad creditor. So I had get their foundation to build credit last June ,2025 and paid $70 biweekly. I had... See more

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Rated 1 out of 5 stars

Very very bad company, after they set up and agreement they keep harassing you to pay it off when yoh already agreed on something. Interest rates are ridiculous. Honestly don't bother with this com... See more

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Rated 3 out of 5 stars

I am very appreciative of the help given by Spring Financial. I was under a lot of stress up until the phone call stating I was approved. I feel like the phone call quality wasn't the greatest due to... See more

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Rated 1 out of 5 stars

I repeatedly asked the agent if the payment can be repaid sooner without any penalties or fees and he kept assuring me that there would be no fees. I requested for a 1 year loan period and he kept... See more

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Rated 1 out of 5 stars

I wish I can give 0 stars. All scammers out here. Fake advertisement of getting approval even if you have a bad credit score. I don't even fall into that category and still got rejected. You fill... See more

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Rated 1 out of 5 stars

While they were generally nice, I ended up deciding to go another route that would be easier and more affordable for myself with dealing with my debt. The overall interest rate was way too high for... See more

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Rated 1 out of 5 stars

This company is a farce. Any good reviews they get they probably give themselves. I ve been waiting since October 28 tobrecieve a refund from these clowns. They even took a 70 dolar payment after i ca... See more

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Rated 4 out of 5 stars

My experience overall was great. Even with the long wait times, the customer service rep made sure I knew what was happening and throughly explained each part of the process. 5 stars for him! However,... See more

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Rated 1 out of 5 stars

1. I asked explicitly through my application for e transfer, they sent it direct deposit 2. They just connected me with easyfinancial with an extra cost to borrow than what easy financial would ch... See more

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Rated 1 out of 5 stars

This is the worst thing I have ever dealt with in my life. It's almost impossible to get ahold of anyone to cancel account. After medical issues unable to work I was constant payments and NSF when did... See more

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Rated 4 out of 5 stars

Everyone who I spoke to was very friendly and helpful. The only reason it wasn’t excellent was because when I told the representative that I first spoke to that I needed to go they had said it’s only... See more

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Rated 1 out of 5 stars

1. Unable to contact. Forever waiting on Chat. Direct phone number not available. Left call back number over 4 hours ago, but still no call back. 2. Was charged 90 for insurance coverage although I my... See more

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Rated 1 out of 5 stars

Please..DO NOT APPLY WITH THIS COMPANY!!!! Worst case of unprofessional service I have ever seen. Family member humiliated after being told they were approved for a loan & told to go to dealer and... See more

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Rated 3 out of 5 stars

Initially on Jan 19th I received a call; asked to provide essential information and then received another call saying sorry; we are unable to help Then on Jan 20; I received another call from ano... See more

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Rated 5 out of 5 stars

Very friendly service and helpful. Very quick in approval. I even got more than I ask for. And funds deposited in my account within an hour. Thank you all for your professional service.

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Rated 1 out of 5 stars

I filled out for a loan went through the prosses of it all and they said i was approved. Then i get a email saying that the money will b deposited in a few hrs into my bank account, Well a FEW DAYS W... See more

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Rated 5 out of 5 stars

The staff was super helpful and honest, no run arounds given. I appreciate the help and effort put into getting my application approved. I really needed this, good support with an even better than e... See more

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Rated 5 out of 5 stars

They were very committed to getting back to me and understanding when I couldn't hear patient with me as I asked them to call me back. Not only that rather than making me wait because the queue was lo... See more

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Rated 3 out of 5 stars

After two attempts to build my credit there was no significant improvement. the last attempt to do so ended badly . After months of taking from me to build my credit, I ENDED UP BECOMIUNG ILL AND NOW... See more

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Rated 5 out of 5 stars

The two contacts I spoke to were very helpful and easy to understand. They listened to my needs and acted upon that info. The application process was very simple to follow. Probably one of my easiest... See more

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Rated 4 out of 5 stars

I had the pleasure of dealing with Janak who helped me immensely to figure things out. Unfortunately, my dealings with the senior funding person were less than optimal. Luckily I got back with Janak a... See more

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Rated 5 out of 5 stars

By far one of the simplest approval processes I have ever worked through. The payments are manageable, options for building your credit, and future increases are simple to understand. The money was ap... See more

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Rated 5 out of 5 stars

Anson was incredibly helpful. He was focused on the long term goal of helping me improve my credit score vs just acquiring a loan. Without his expertise I would have been unaware that this was even an... See more

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Rated 1 out of 5 stars

Was lied to about the foundations program, then when I stated that I wanted to do more research before committing to it, the agent lied to me and told me my credit score would drop by 10-15 points per... See more

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Rated 5 out of 5 stars

Eric is incredible. Tried his best for me and secured an outcome I never thought I'd get. Thank you for your care and diligence Eric even when I didnt believe in myself.

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Rated 5 out of 5 stars

I was very impressed with my experience at Spring Financial. They assisted me every step of the way and worked hard to get my loan approved. I didn't expect the approval to come so fast and the funds... See more

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Rated 2 out of 5 stars

Trying to cancel my loan application and can't get a response from anyone. Update. Managed to speak to a couple different people who told me two completely different answers. After a few tries t... See more

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Rated 1 out of 5 stars

I never got a loan from them but the tried taking money out my account 4 times in one day the all constantly doing it how is this even allowed. Worst experience I ever had this has been going on for... See more

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Company details

  1. Non-bank financial service
  2. Financial advisor
  3. Financial Institution
  4. Loan agency
  5. Mortgage Lender

About Spring Financial

Written by the company

Spring Financial brings a new season of fair financial growth to all Canadians.

With millions of Canadians locked out of the financial system and stuck in a payday cycle of high-interest debt without any opportunity to improve their situation, Spring Financial has democratized access to better credit with smart-and-simple money solutions. All of our financial services and products are available online from anywhere, so you can get the financing you need in a few clicks.

Launched in 2014, Spring has helped over one million applicants and is the only provider in Canada that lets anyone build credit and save money with guaranteed success!

The Foundation, our signature savings and credit-building product, puts your financial progress on autopilot. We believe that all Canadians should have better opportunities to attain good credit and access fair financial products. That’s why we approve 100% of applicants for The Foundation, regardless of credit history, current debts, or income. With The Foundation, not only do we help you build credit, we help you automatically save money.

After twelve months of timely payments with The Foundation, any customer is guaranteed to get approved for our Evergreen Loan, which is an up-front cash loan at 18.99% annual interest.

Our convenient online platform makes getting a personal loan simple and straightforward, whether you want to make a specific purchase or consolidate your existing debt. Our application process includes fast approvals, tailored products to suit your specific financial needs, and loan amounts deposited to your bank account in as little as 24 hours.

Spring also works with many happy homeowners by making it easy to refinance, renew, or consolidate debt — all 100% online and from the comfort of your own home!


Contact info

4.6

Excellent

TrustScore 4.5 out of 5

20K reviews

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Rated 5 out of 5 stars

The lady and three gentlemen

The lady and three gentlemen, especially Nik and Arad, with whom I spent the most time, were professional and truly helpful. They walked me through every aspect of the loan to make sure I got everything I needed and knew what was expected of me and how to ask for help anywhere along the line.

12 February 2026
Rated 4 out of 5 stars

Everyone was helpful

Everyone was helpful. The initial contact person's phone kept crackling so it made it difficult to understand sometimes. Thank you for the help.

11 February 2026
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Reply from Spring Financial

We appreciate your feedback and are glad everyone was helpful. We're sorry to hear you had trouble understanding the initial contact due to phone issues.

Rated 5 out of 5 stars

Thank you Spring Financial!

I am extremely grateful for the agent I worked with at Spring Financial. With poor credit it has been a nightmare trying to get back on track and consolidate anything. I applied expecting to be denied like everywhere else unfortunately, but Spring Financial approved me and gave me the opportunity to fix my credit and my life. I wish I could remember the name of who I worked with to give him a shout out. Either way I strongly recommend Spring Financial to anyone who was in my position :)

10 February 2026
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Reply from Spring Financial

We're happy to hear that we could provide you with an opportunity to improve your credit situation. We appreciate you recommending Spring Financial, and we're so glad that you had a positive experience with our services. Thank you for sharing your feedback.

Rated 5 out of 5 stars

I really liked the way they spoke

I really liked the way they spoke, they spoke kindly and they try to help you as soon as possible. I was really happy to be with them and Lucky Big thank you from spring team ❤️

11 February 2026
Spring Financial  logo

Reply from Spring Financial

We appreciate you sharing your positive experience! We're so glad that you were happy with our team's kind and helpful approach. Thank you for your feedback!

Rated 1 out of 5 stars

You know whats the feeling of being…

You know whats the feeling of being neglect whats the feeling of you cant get your own money and the feeling of your own money needs to investigAte?? Think from 2016 till 2021 and to think yout own money you cant get my question is why?? I need that money Before the end of this month coz my landlord give me until.end of this month dont give me answer that you will say several months before you release 9years more than enough to investigate what ever you call that.

5 January 2026
Unprompted review
Rated 5 out of 5 stars

Everyone was professional and the first…

Everyone was professional and the first person i talk to (Kalpitha) was really helpfull!!

11 February 2026
Spring Financial  logo

Reply from Spring Financial

We are so glad to hear about the helpful and professional experience you had. Thank you for taking the time to leave us this great feedback!

Rated 5 out of 5 stars

Communication is Great

The people I spoke with were very friendly and supportive about my needs

11 February 2026
Spring Financial  logo

Reply from Spring Financial

We appreciate you taking the time to share your experience. We are so glad to hear that our team met your needs with such friendliness!

Rated 5 out of 5 stars

Beyond my expectations

Beyond my expectations, I’m lost of words all I can say is thank you to everyone that helped me out, thank you, you guys are the best. Excellent customer service and wonderful people.

11 February 2026
Spring Financial  logo

Reply from Spring Financial

We are so happy to hear that you had such a positive experience! Thank you for your kind words; we truly appreciate your recognition of our team's efforts.

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