Need Cash Fast?
Cash Bonus Up to
$1,500
See if you qualify in minutes.
Build your credit along the way.
Alternative to traditional payday loans in Canada.
How It Works
Step 1:Apply
Step 2:Build Credit
Step 3:Unlock Bonus
Step 3
Unlock Bonus
As your credit improves, you unlock access to your available cash bonus.
Cash Bonus Eligibility
See what bonus amount
may be available to you
Bonus amount based on profile · No hard credit check
Your Progress
Build Credit —
And Unlock Cash
Opportunities
Ez Cred is a structured membership designed to improve your credit profile while giving you access to real financial opportunities.
- Reports activity to credit bureaus
- No hard credit check to get started
- Structured participation builds momentum
- Clear terms before you commit
Stop the Payday Loan Cycle
There's a better way to build credit — without the trap.
The Ez Cred way
- Build your credit profilereported to bureaus
- Structured progressevery payment counts
- Transparent terms upfrontno surprises
- Long-term financial growthcompounding progress
Build Your Credit Faster
Combine multiple tools to strengthen your credit profile and unlock better financial opportunities.
EzCred Mastercard®
Build credit with every payment using a prepaid card designed for real progress.
Reports to credit bureaus
Start Building Your Credit Stack Today
See What I Qualify ForYour Rent Should Be
Doing More
Every payment you already make can now actively build your credit — automatically.
No debt · No hard credit check · Canadian program
What Members Are Saying
Clear terms, real progress, and a process members actually understand.
Verified“I was skeptical at first — but the process was completely clear. I got my decision the same day I applied.”
“Other options never showed me the terms upfront. Ez Cred showed me everything before I committed.”
“Never thought I could build credit without taking on debt. This program actually makes sense.”
“Simple, transparent, no hidden terms. Ez Cred delivered exactly what it promised.”
See what you qualify for in minutes
See What I Qualify ForEverything You
Need to Know
Clear answers, no surprises. We've designed Ez Cred to be simple, transparent, and easy to understand.
No hard credit check · Transparent terms · Canadian program
Get your eligibility decision in minutes
See What I Qualify ForNo. Ez Cred is a credit-building membership program — not a loan. You don't borrow money. You participate in a structured program designed to strengthen your credit profile, with a cash bonus available to eligible members.
After enrollment, your profile is reviewed for cash bonus eligibility. Qualified members may receive a bonus up to $1,500. Full eligibility criteria and terms are disclosed before you commit — no surprises.
Yes. Membership activity is reported to Canadian credit bureaus where applicable, helping you establish or improve your credit profile through consistent, structured participation.
Decisions are processed daily. Most members receive their eligibility decision within minutes of submitting their profile — no long waits.
No. Ez Cred uses no hard credit check for the initial eligibility review. Checking your eligibility will not affect your credit score — so there's no risk to finding out where you stand.
Get your eligibility decision in minutes
See What I Qualify ForSee What You Qualify For
No hard credit check. Takes less than 5 minutes.
Applications reviewed daily — results delivered fast.