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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Rated 1 out of 5 stars

Keep getting denied even though…

Keep getting denied even though Bowerwell tells me that my approval rating is excellent … probably a scam but who cares they get a persons hopes up and crushes them in 5 minutes

September 25, 2026
Unprompted review
Spring Financial  logo

Reply from Spring Financial

Hi Geoffry! 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

I was dealing with Pamela

I was dealing with Pamela. She was friendly and knowledgeable and a pleasure to work with.

September 24, 2026
Spring Financial  logo

Reply from Spring Financial

Thanks for sharing your experience — we’re thrilled you’re happy!

Rated 5 out of 5 stars

It was great and the people help me was…

It was great and the people help me was realible, friendly and helpful. I really appreciate how the loan process in no time. It made it much easier for me to find what I need. I sincerely appreaciate your help.

September 25, 2026
Spring Financial  logo

Reply from Spring Financial

Thank you so much for your support!

Rated 5 out of 5 stars

Everything was laid out right on the…

Everything was laid out right on the line showing everything required to be done to showing how everything is going to happen and how everything needs to proceed in the future. All of it was great

September 25, 2026
Spring Financial  logo

Reply from Spring Financial

We’re grateful for your kind words and support!

Rated 5 out of 5 stars

you were really helpful Easy to fill…

you were really helpful Easy to fill out application I think it's a good company and hopefully they approve me and let me know as soon as possible so I could keep going board with this financial company It would be very helpful I'm very good for me thank you very much from Michel

September 24, 2026
Spring Financial  logo

Reply from Spring Financial

Thank you so much for your support!

Rated 5 out of 5 stars

Ok so far we shall see

September 2, 2026
Spring Financial  logo

Reply from Spring Financial

We appreciate your feedback and are glad to hear things are going well so far. We are confident you will continue to have a positive experience with us.

Rated 5 out of 5 stars

The "diligence" of the agent

The "diligence" of the agent, and Spring Financial towards my aim to build my credit and get a car/business loan was well recieved. I understand now that building my credit with relevant experience is necessary for lenders. This insight has led me to invest in relevant experience led by spring financial. The Foundation!

September 21, 2026
Spring Financial  logo

Reply from Spring Financial

We're so glad to hear about your positive experience and that our team's diligence was well-received. It's wonderful to know that our insights are helping you build your credit and achieve your financial goals. We appreciate you recognizing the value of the foundation we provide.

Rated 5 out of 5 stars

Mersnally

Working harder

September 25, 2026
Unprompted review
Spring Financial  logo

Reply from Spring Financial

We really appreciate your 5-star review!

Rated 5 out of 5 stars

Great communication

Great communication, honest and helpful.

September 24, 2026
Spring Financial  logo

Reply from Spring Financial

We are so pleased to hear that you found our communication great, honest, and helpful! Thank you for taking the time to share your positive feedback with us.

Rated 4 out of 5 stars

Although I am uncertain if I have…

Although I am uncertain if I have utilized Spring Financial’s services given the volume of solicitations received, I would like to formally commend Dylan for the exceptional service provided.

September 24, 2026
Spring Financial  logo

Reply from Spring Financial

We truly appreciate you taking the time to share your positive experience. We are delighted to hear that our team member provided exceptional service, and we thank you for your kind words.

Rated 5 out of 5 stars

Excellent service

The représentative was very patient, listening all of my concerns and trying to provide support and helping me in the process to select the best no option to improve my situation. He was really helpful in all the process.

September 23, 2026
Spring Financial  logo

Reply from Spring Financial

We're so pleased to hear that our representative was able to provide you with such patient and helpful support. It's wonderful to know they assisted you in finding the best options.

Rated 1 out of 5 stars

They will not approve you.

They send you email and push you to get a loan from them. But, you will not get approved at all. I tried it more than 3 times. Each time, my credit score was high, but they refused my loan request.

August 25, 2026
Unprompted review
Spring Financial  logo

Reply from Spring Financial

Hi Abolfazl, Thank you for speaking with our team today and sharing your candid feedback with us. We sincerely apologize for the frustration and disappointment regarding your application results.
We are truly grateful for your time and feedback as it helps us improve our processes. If you ever need further assistance, please feel free to reach out to us at customersuccess@springfinancial.ca.

Rated 5 out of 5 stars

Very Easy and Efficient

Very Easy and Efficient. I was honestly surprised by just how seemless the whole process was.

September 21, 2026
Spring Financial  logo

Reply from Spring Financial

We're so glad to hear that you found the process easy and efficient! It's wonderful to know that everything was seamless for you.

Rated 5 out of 5 stars

Appreciated the text communication…

Appreciated the text communication since I was at work while processing.

September 23, 2026
Spring Financial  logo

Reply from Spring Financial

We are so glad to hear that our text communication was helpful for you while you were at work. We always aim to make the process as convenient as possible.

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