Spring Financial  Reviews 

21,508
•
TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Looking at 2,329 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for being exceptionally helpful, patient, and knowledgeable throughout the entire loan process. People also deeply appreciate the quick funding and straightforward application steps that make building credit simple and accessible for everyone. Some reviewers were not happy with unexpected payment deductions and charges they did not recognize appearing on their bank accounts. A few other people also felt that customer support could be frustrating when dealing with automated responses or slow communication. Reviewers occasionally noted unexpected difficulties with loan approvals and communication breakdowns involving underwriting decisions.

What people talk about most

Staff

Users describe positive interactions with staff, frequently highlighting helpful, friendly, and knowledgeable... See more

Customer service

Customers consistently note positive experiences with customer service, praising staff members for being... See more

Service

Customers had positive experiences with service, frequently highlighting the remarkably fast and efficient... See more

User experience

Reviewers highlight positive aspects of user experience, frequently praising the kind and helpful staff who... See more

Payment

Clients share ambiguous opinions on payment, with some reviewers praising manageable plans and helpful... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Matthew and Anson were great to deal with. Completed the loan application and had money in my account in a matter of only a few hours. Everyone was very friendly and helpful ensuring i understood eve... See more

Company replied

Rated 5 out of 5 stars

Everyone who I spoke to today was extremely helpful and supportive. They explain everything well and ensured I understood all aspects of the process and the agreement. They also made sure to make me i... See more

Company replied

Rated 5 out of 5 stars

The two people I dealt with were very helpful and amazing too work with, I asked a lot of questions and they made sure too answer every single one of them. I also had too alter one of the payment stru... See more

Company replied

Rated 5 out of 5 stars

it was so fast ! From the application, to the call, to filling out the paperwork and making sure all steps were done and completed in a matter of hours. They explained everything in detail, made sure... See more

Company replied


Company details

  1. Non-Bank Financial Service
  2. also in
  3. Financial Consultant
  4. Financial Institution
  5. Loan Agency
  6. 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

22K reviews

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4.6

All reviews

(21,508)

2,139 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

I was educated about debt

I was educated about debt. I leaned so much. She explained every detail and ways to correct my credit score. I am very grateful for all the advice.

October 5, 2026
Spring Financial  logo

Reply from Spring Financial

We are so glad you had such an informative experience learning how to improve your financial standing. We appreciate your feedback and wish you the best.

Rated 5 out of 5 stars

Customer Service Excellence

My experience was great because Arad and Felix took the time to explain and were patient with me. The staff is amazing!

October 5, 2026
Spring Financial  logo

Reply from Spring Financial

We are so glad to hear that our team members were patient and took the time to explain everything clearly. Thank you so much for your wonderful feedback and support!

Rated 5 out of 5 stars

Financial solutions

I honestly like the spring financing because they are helping people to build credit and trusting them rebuilding with their credit. They give quick solutions and support to people who need help with financial assistance. Spring financial is the best way to get support. Thanks

October 5, 2026
Spring Financial  logo

Reply from Spring Financial

We are so happy to hear that our team could provide the financial support and quick solutions you needed. Helping our clients rebuild their credit and reach their goals is always our top priority, and we truly appreciate your kind feedback.

Rated 1 out of 5 stars

There was a hard credit check which…

There was a hard credit check which effected my credit, despite being led to believe that there wouldn’t be one.

I was t approved, then they wasted my time trying to sell me some ridiculous credit package for a fair bit of money

June 8, 2026
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Reply from Spring Financial

Hi JZ! Sorry to hear your experience was less than positive! We had tried reaching out to you regarding your experience but there was no answer on several different attempts. We'd like the opportunity to address your concerns and try to find a solution for you. Please reach us directly at customersuccess@springfinancial.ca if you have any questions.

Rated 5 out of 5 stars

Great friendly staff an awesome…

Great friendly staff an awesome experience

October 5, 2026
Spring Financial  logo

Reply from Spring Financial

We are so thrilled to hear that you had such a wonderful experience with our welcoming team. Thank you for taking the time to share your positive feedback with us!

Rated 5 out of 5 stars

There was no judgment on what I needed…

There was no judgment on what I needed the funds for. Everyone was very polite and respectful and explained everything.

October 5, 2026
Spring Financial  logo

Reply from Spring Financial

It is wonderful to hear that our team provided a welcoming, supportive, and clear experience during your time with us. Thank you for taking the time to share your positive feedback.

Rated 4 out of 5 stars
Spring Financial  logo

Reply from Spring Financial

We are happy to hear that your experience with our quick process went so smoothly. Thank you for taking the time to share your positive feedback with us.

Rated 1 out of 5 stars

U.S. Passport Not Accepted—Requirements Should Be Clear Upfront

Very disappointing experience with Spring Financial. I’m a U.S. citizen, and I was told they only accept Canadian identification documents, so my U.S. passport wasn’t accepted. That requirement should be clearly explained upfront so applicants don’t waste their time. I left feeling frustrated and excluded, and based on my experience, I wouldn’t recommend them to anyone relying on non-Canadian identification.

October 5, 2026
Unprompted review
Spring Financial  logo

Reply from Spring Financial

Hi Elm! Sorry to hear your experience was less than positive! We had tried reaching out to you regarding your experience but there was no answer on several different attempts. We'd like the opportunity to address your concerns and try to find a solution for you. Please reach us directly at customersuccess@springfinancial.ca if you have any questions.

Rated 1 out of 5 stars

Oh my God this is frud from getting…

Oh my God this is frud from getting loan I start paying 79 a month for loan I never received lol 😆 I'm just paying money that I don't have and now no one is answering my calls put me on hold for one hour and no one answered lol

October 3, 2026
Unprompted review
Spring Financial  logo

Reply from Spring Financial

Hi Marwan.
Sorry to hear your experience was anything less than positive. We had tried reaching out to you regarding your experience but there was no answer. We'd like the opportunity to address your concerns and try to find a solution for you. Please send contact info to customersuccess@springfinancial.ca - thank you!

Rated 5 out of 5 stars

The response is fast

The response is fast . I do appreciate the help.

October 3, 2026
Spring Financial  logo

Reply from Spring Financial

We are so glad to hear that our team was able to assist you so quickly. Thank you for taking the time to share your positive feedback with us!

Rated 5 out of 5 stars

Great and helpful service and customer…

Great and helpful service and customer service

October 3, 2026
Spring Financial  logo

Reply from Spring Financial

Thank you so much for the 5-star rating! We are thrilled to hear that our team provided such wonderful and assistance-focused support during your experience with us.

Rated 5 out of 5 stars
Spring Financial  logo

Reply from Spring Financial

We are glad you enjoyed your experience with our team, and we greatly appreciate your kind feedback regarding our readiness to assist you.

Rated 5 out of 5 stars

Thanx Guys for helping

Thanx for help
Service
Staff
Customer service

October 2, 2026
Spring Financial  logo

Reply from Spring Financial

We are happy to hear that our team provided great support and exceptional customer assistance during your visit. Thank you for sharing your positive feedback with us.

Rated 5 out of 5 stars

thank you for helping

It was great dealing with you guys this way.

October 2, 2026
Spring Financial  logo

Reply from Spring Financial

We are so glad to hear that you had such a wonderful experience interacting with our team. Thank you for taking the time to share your positive feedback with us!

Rated 5 out of 5 stars

Didnt get a loan but I got to build my…

Didnt get a loan but I got to build my credit for it, epic and nice people too :P

October 1, 2026
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Reply from Spring Financial

We are happy to hear that our team provided nice service and helped you build your credit. Thank you for your review!

Rated 4 out of 5 stars

Top-notch Service

I was attended to by 3 different people whose service was extremely great.
Top-notch customer care service.

October 2, 2026
Spring Financial  logo

Reply from Spring Financial

We are truly delighted to hear that you experienced such top-notch service from multiple team members during your visit. Thank you so much for sharing your positive feedback with us!

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