For over 30 years, easyfinancial Services has been a go-to for financial help and relief. And we like that they’ve got you covered with more than 400 locations from coast to coast. 

We also appreciate easyfinancial for helping clients clear at least $45,000 in loans and credit card debts. Plus, their debt consolidation loans let you pick flexible payment terms, ranging from 9 to 60 months—way more flexibility than other credit and loan companies offer.

Here’s the scoop from our research: last year, more than a hundred thousand Canadians reached out to them for assistance. For us, this tells us something about how consistent their services are, eh?

It’s also worth mentioning that they’re throwing in free financial education, too. It’s like your crash course to boost your money smarts, giving you the confidence to hit your goals and build a solid financial future.

However, we’ve noted some concerns regarding the lack of urgency with the approval process, such as waiting for your documents and loan to get the green light. So, it’s probably a good call to do regular monitoring and avoid any surprise delays.

Still, we have to hand it to them—they’re consistent and reliable in sorting out flexible loan deals for your debts and worries.

What we like most about EmpireOne is that they help you pick the right credit or debt solution. With expert counsellors at every step, you get tailored recommendations for long-term financial success.

And because everyone’s financial scene is unique, they make sure to hook you up with the best option for your specific challenges and opportunities. We suggest you take advantage of their free consultation to score clarity on your financial situation and options.

We love that they’re all about online virtual appointments, perfect for those who can’t be bothered to head to a location or just prefer the couch life. 

Quick heads-up, though – we spotted a little limitation in their debt consolidation coverage. They focus on credit card debts, payday loans, bank loans, and tax debts.

On the bright side, kudos to EmpireOne for not hitting you with upfront fees, unlike other providers with initial fees to pay. You only settle once all your loans are squared away and a sweet agreement between you and their crew.

Lastly, we’re pleased that EmpireOne can handle the never-ending calls from your lender and those pesky wage garnishments. It gives you the peace of mind to concentrate on knocking out those monthly settlements hassle-free.

A standout about the Credit Counselling Society is that they’re a non-profit charity that helps you tackle your money challenges. And here’s the scoop from our research: they’re big on free credit counselling, affordable debt solutions, and ways to level up your money game. 

We’re also impressed with their track record. They often handle unsecured loans well, qualifying them for consolidation. 

This avenue gives clients space to pay off other secured debts, which means minimal to no counselling fees. Plus, they set up doable payment plans without needing to go down the bankruptcy route.

It’s also worth noting that their counsellors are always pro and never judgmental. Clients often mention feeling comfy discussing their situation, walking away confident they can tackle their debts with the plan they cooked up together.

But quick FYI—because of how they operate, you might find yourself working with different counsellors over time. Now, this shuffle has, at times, led to some confusion and gaps in communication between the client and the counsellor.

Finally, we suggest you contact the Credit Counselling Society by setting up a laid-back, no-obligation consultation through a call, email, or online chat. Start your assessment and debt consolidation plan—and soon, you could be one of their success stories.

Let’s move on to Debt Free Credit Solutions—they’re all about handling financial struggles and debt. With expertise in various debt solutions, they provide the know-how to assist you in all the right areas.

We appreciate that their team understands your current financial situation and can assist you in enrolling in debt consolidation programs. Regardless of your income level and other factors, they will guide you in exploring the most suitable debt relief solutions.

And speaking of their team, they’re like pros at breaking down all those fancy debt terms into plain English, so you’re not lost in the jargon. Plus, big thumbs up for being patient with answering all your questions—lifting the stress off your shoulders.

It’s also a plus in our books that they know how to craft the perfect solution for your situation, especially if things are dicey. And talk about relief—it’s nice having a qualified counsellor taking care of everything tied to your debt consolidation loan.

Although, we’re a bit bummed to hear about some lag in urgency, especially when it comes to tying up loose ends like closing accounts. We suggest you contact your counsellor or the staff directly to speed things along.

Nonetheless, we’re sold on Debt Free Credit Solution. We believe they’re a solid pick to get your debts in order and paid off, especially if you’re not too familiar with this matter.

Next on our list is York Credit Toronto—they’ve been rocking it by helping out over 500,000 Canadians in 14 years, wiping out a whopping $500 million in debt. That’s some serious quality and consistency in their services, eh?

Notably, we like that they have a large team of experienced experts who know about credit and loans. They can handle all kinds of personal and business debts and quickly find the best solution for you, sometimes in just two days!

That said, we encourage you to take advantage of their free consultation to see if their offer aligns with your goals and makes sense for your situation. And feel free to shoot them your questions, especially if you’ve got any reservations.

But note that they take the weekends off. So, if you’re planning to connect with them, make sure to carve out some time during the weekdays, especially if your schedule is packed.

We also caught wind from some clients that York Credit might have a few quirks in their solutions. This includes cases with multiple debts from different lenders or categories with a high stake. 

On a positive note, we discovered that they’ve got a knack for nailing down solid solutions in debt consolidation. For instance, a client with a hefty $200k debt was debt-free three years later thanks to York Credit—impressive, right?