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Loans Canada

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Employment Insurance Loan

There are internet lenders in Canada who provide employment insurance loans. These often have the quickest approval and funding times, but their incredibly high interest rates make them a last resort.

Unanticipated problems and catastrophes can occur to everyone, regardless of their employment status or personal financial position. Even if you are receiving Employment Insurance (EI), you may still require a loan to pay an unexpected expense.

Given that the Employment Insurance Loan is not a typical source of income, it may appear impossible to obtain a loan while receiving it.

The good news is that it is not impossible, and there are various forms of loans that you can obtain while receiving unemployment benefits.

What Is Employment Insurance (EI) In Canada?

Employment Insurance (EI) is a program of the Canadian government that offers temporary economic support to unemployed employees while they search for jobs or improve their skills.

Everyone who earns money in Canada contributes to the program through their monthly paychecks, allowing them to receive benefits if they lose their work or need temporary leave.

Additionally, the EI program gives extra benefits to workers who miss work due to certain life events,  such as these:

  • That are gravely unwell,
  • If you are a pregnant lady,
  • Caring for a newborn or a youngster just adopted
  • If you are caring for a critically ill or injured patient, you should:

If you are caring for a family member who is gravely ill and has a high chance of dying, you should seek medical advice.

Workers are only eligible for EI payments if they have paid premiums within the past year and meet eligibility and qualification requirements. Self-employed workers are eligible for EI and special benefits.

The Canadian Employment Insurance Commission also refers to as (CEIC) oversees the EI program with leadership. Additionally, the CEIC is responsible for determining the yearly EI premium rate. Service Canada is responsible for:

Provide timely and correct EI compensation payments and services to assist EI clients at each service delivery step by:

  • presenting benefit details
  • responding to queries
  • helping employers
  • Managing claims and offering the ability to appeal decisions
  • conducting client identification and authentication
  • preventing, detecting and deterring fraud and abuse

The EI loan program is essential for Canadians because it helps individuals supplement their lost income and manage the uncertainty associated with unemployment.

However, the sum handed out does not even come close to covering the massive daily expenses of Canadians, particularly those with young families.

Employment Insurance Loan Eligibility

You may apply for Canadian employment insurance if you are unemployed for any of the following nine (9) reasons:

  1. If you’re upgrading skills for a set period,
  2. If you’re among the mass-layoff employees,
  3. If you’re in a periodic layoff
  4. If you’re experiencing a scarcity of work,
  5. Ultimately, if you’re caring for a newborn or adoptive child,
  6. If you’re seriously sick or wounded,
  7. If you’re caring for a seriously ill family member with a high mortality risk,
  8. If you’re providing care for a youngster who is gravely ill or injured
  9. If you’re actively seeking but unable to secure employment,

Be sure to apply as soon as possible after losing your job, as waiting more than four weeks following your final day of work could result in the loss of benefits.

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Features Of EI Loans in Canada

It is essential to comprehend the distinctive features of the Canadian government-supported employment insurance loan: Here are the key eLoan characteristics:

Borrow between $100 and $1,500

First-time applicants are limited to $300 to $500 by some EI payday lenders. Additionally, several jurisdictions restrict borrowers to a percentage of their income (50 percent in Ontario, BC, Saskatchewan and Newfoundland and 30 percent in Manitoba and New Brunswick).

Loan Tenor

Typically, you will have to pay back your EI payday loan on the next month’s paycheck. In Alberta, however, the minimum borrowing length is 42 days, and repayment must be completed in at least two installments.

Finance Charges

Depending on your region or area, you will be charged between $15 and $25 per $100 borrowed.

Quick And Convenient

Because lenders automate the application procedure as much as possible and offer lax standards, obtaining an EI payday loan is straightforward. In as little as one hour, you can obtain a payday loan.

Options For Funding

If you make your application online, you have the option of receiving your funds via e-transfer or direct deposit. You can receive your loan in cash or as an e-transfer when you visit a business.

Eligibility Requirements

To qualify for an EI payday loan, you must be at least 18 or 19 years old, have a bank account, and have regular EI income.

EI Loan Criteria

Despite the fact that the standards of different lenders may vary, there are a few universal requirements:

  • You must not be less than 18 years old.
  • Have a valid and operational bank account.
  • Have a valid identification card and a social insurance number.

Other possible conditions for these loans could include:

  • Have a second source of income
  •  A part-time job or supplemental income).
  • A clean bankruptcy record
  • You must have a guarantor.
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Benefits Of An EI Loan With An Alternative Lender

1. Its Handy and Convenient Alternative

Typically, EI loan providers have a straightforward and entirely online application process.

2. Its a Fast Funding Alternative

Numerous EI loan providers utilize an automated underwriting system.

resulting in prompt approval and money. The majority of lenders will fund you by direct deposit or electronic transfer.

3. It Accepts Numerous Borrowers

Alternative lenders typically have flexible rules that allow borrowers with non-traditional income sources and subprime credit to obtain a loan.

4. Immediate and Free Loan Estimate

Many lenders offer free, fast loan quotations. You can determine how much you’re eligible to borrow by giving answers to a few questions. This typically occurs

The good aspect of this loan option is that there is no credit check, hence there is no impact on your credit score.

It is possible to obtain a loan while receiving EI; you just need to locate a lender who is able and willing to work with you. If you conduct sufficient research, you should be able to find a loan and a lender that suits your needs.

How To Apply For EI Loans Online

Here are the recommended steps to follow when applying for EI loans.

1. Examine Your Credit Rating

You could begin by examining your credit score. If your credit score is less than 660, you should anticipate higher interest rates.

2. Compare Lenders

Compare the EI loan rates and terms of at least three to four lenders to get the most competitive offers.

3. Find Out Whether You’re Eligible

Make sure you double check the eligibility requirements before applying.

  • Do you require a particular credit score?
  • Are there minimal earnings requirements?
  • Is EI a legitimate source of income?

Only apply for loans for which you are certain you can qualify; if you are uncertain, call a lender and inquire.

4. Fill Out Your Application

Once you have identified the best EI loan for you, submit an application to initiate the process. You can also access a lender’s application page by clicking the green “Go to site” button in the table above.

5. Get A Decision

Typically, EI loan providers provide an instantaneous judgment.

6. Get Verified

If you decide to proceed, your lender may request bank statements and government-issued identification to verify your income and identity.

7. Sign And Double-Check Your Contract

Learn your payback schedule, the overall cost of your loan, and any additional fees that may apply.

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Alternatives To Payday And Installment Loans Online

If you’re in Canada and you want an alternative to payday loans, here are the recommended installment loan options that you can explore.

Auto/Car Title Loans

With an auto title loan, otherwise known as a car title loan, you pledge your own vehicle as security.

You are allowed to continue using your car in your daily life activities, but if you default on your loan repayments, the lender has the right to take it.

Personal Credit Line

Some of the online lenders in Canada, such as Mogo and Cash Money, approve lines of credit based on non-employment income.

With a line of credit, the loan can be repaid at any moment, but this benefit carries hazard.

Credit Counseling Services

Credit Counseling in the whole of Canada’s territories is a national organization that collaborates with non-profit credit counseling agencies to provide Canadians with a variety of free financial and non-banking services, such as debt management and financial orientation and reorientation.

Debt Reduction Services

If you are experiencing genuine financial distress, debt relief services are available to you.

Debt relief companies, such as Debt.ca, provide a variety of services, including debt management, debt settlement, debt consolidation, and credit counseling.

2 Best Employment Loan Alternative Providers in Canada

The key factors to consider when looking for employment loans are interest rates, possible fees, and payback terms. Take note that our recommendations include credit-scoring platforms that select the best loans from a credit-scoring network.

Serial NumberEI ProvidersSuits PeopleInterest RatesAmountsRepayment Term
1Loan CanadaWho are looking for a large choice of lenders.Between 3% and  47%Between $500 and $300,000.Between three and six months plus
2Loan ConnectWho have really bad or no credit historyThough based on personal credit, APRs range from 10% to 47%.Between $500 and $50,000Between one and five years

1. Loans Canada

Loans Canada is a lending marketplace with a variety of lenders, each with their own interest rates and loan conditions.

It is one of the largest and most reputable indirect lenders in Canada.

The loan amounts range from $500 to $300,000, with durations between 3 and 60 months. Depending on the individual’s characteristics, the interest rate ranges from 3% to 46.96%.

In most cases, your loan application will be approved within 24 hours or less, while the average is two days. Depending on the lender, there could be fees associated with the loan.

Click LOANS CANADA to apply or read our comprehensive Loans Canada review for additional details.

2. LoanConnect

LoanConnect is a lending platform that provides access to a variety of lenders.

It is one of the greatest suppliers of loans without employment verification, requiring simply that you are a Canadian citizen of legal age in your province.

The interest rates range from a competitive 10 percent to a very high 46.96 percent, based on the borrower’s credit score; therefore, it is important to read the fine print.

How To Get An Employment Loan In Canada

Here are the steps to consider when looking for an employment loan in Canada:

Review the eligibility requirements before applying.

Before you fill out any loan application, ensure that you’re well qualified for the loan you’re seeking. Frequently, lenders publish their conditions, including a minimum income and credit score.

Inquire about your credit report.

Check your credit report with one of Canada’s credit agencies (Equifax or TransUnion) for free in order to have a clear idea of how your application would appear to lenders.

Consider Other Options Before Using

Even if you believe that your loan alternatives are limited, you should still shop around before choosing the best loan for you. Please keep in mind that there may be differences in interest rates, penalties, and fees among different lenders for bad credit.

Prepare Your Documentation.

No matter what unemployment loan you apply for, you will be required to submit documentation of your benefits income and identification given by the government.

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3 Steps to Getting a Loan Without Employment Verification

You may be wondering whether you can take out an employment loan without having verified employment in Canada.

Step One: Conduct Your Own Financial Self-Audit

When applying for a loan, it is advised that you check your finances and credit score to determine your creditworthiness.

Before asking for a loan, you may want to improve your circumstances if your credit score is really low and your debt is quite high.

This will not only boost your likelihood of acceptance, but it may also result in cheaper interest rates.

Step Two: Evaluating Lenders

To discover the best lender for you, you must conduct extensive research and identify lenders whose minimum requirements you satisfy.

You could also utilize a loan comparison platform to select a credit-granting lender.

Most of these loan comparison app services provide multiple loan quotes from various lenders in response to a single inquiry.

Then, you can evaluate your options and select the lender that best aligns with your requirements.

Step 3: Complete Your Application

The application procedures for most of these types of loans are swift and straightforward.

Once you have chosen a lender, all you need to do is provide your personal information, contact information, confirmation that you are of legal age, and the amount of money you wish to borrow.

There is no need to provide collateral because they’re unsecured loans. Although you will not be required to provide proof of employment, you must show your lender that you can afford to repay the loan.

This is typically accomplished by presenting proof of income (e.g., EI, CCB, CPP, etc.) or by conducting a credit check.

If authorized, you will be assigned a due date for loan repayment and charged an interest rate that must be repaid in addition to the principal amount borrowed.

5 Forms of loans available for people on benefits?

Receiving benefits should not automatically result in being ineligible for a loan. There are numerous loan options available, and you may qualify for one.

However, it is important that before you apply for a loan, you consider the monthly installments and ensure you can afford them. Our loan calculator is a valuable tool for determining the cost of a loan.

Benefit recipients may be eligible for certain types of loans. Examples include:

1. Specialized Loans For People With Bad Credit

There is a lender in this market who can make bargains to benefit recipients with weak credit. Expect

2. Secured Loans

These loans are less hazardous for the lender because you must pledge collateral, such as your home or car. If you’re unable to make repayments, your assets, which may be your home, will be repossessed.

3. High-Interest Personal Loans

Some lenders will provide personal unsecured loans to those receiving benefits. However, because their perceived risk is larger than usual, the interest rate will be above average.

4. Guarantor Loans

A guarantor loan is identical to a personal loan, with the exception that you must ask a close friend or relative to formally guarantee repayment of the loan on your behalf if you default. You and your cosigner are both legally responsible for the debt.

5. Payday Loans

As an unemployed individual, it is prudent to avoid payday loans. In general, these loans involve high interest rates, limited repayment terms, and substantial penalties for nonpayment.

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 What Can You Use an Employment Insurance Loan For?

We have compiled a list of all the possible uses for the EI loan, but the list is exhaustive. Here are several applications for employment loans.

Internet/Mobile Plans

Approximately two decades into the 21st century, how many employers still accept hand-delivered resumes?

And how many still use window signs to advertise job openings? It is an undeniable fact that you need an internet connection and a cellphone plan to conduct a successful job search, and these can be expensive, especially in Canada.

Persomal and Professional Development

The time between jobs can be utilized to pursue passions, acquire new skills, and meet new people. Community colleges provide a variety of fascinating courses at affordable rates.

Medical Expenses

There are considerable gaps in vision, dental, and pharmaceutical coverage, despite the fact that Canadians have access to universal healthcare.

In the event that you or a member of your family becomes ill and you do not have access to an employment benefits package, you may incur significant costs.

A short-term cash advance can be the difference between sickness and health for unemployed individuals.

Moving Expenses

New jobs frequently necessitate relocating, which incurs an array of fees.

Furniture, storage rentals, moving trucks, moving equipment, set-up fees, first and last month’s rent, security deposits, and a great deal more must be accounted for.

 Unemployment loans are an excellent means of easing this transition as much as possible.

Automobile Maintenance

Even if it is not explicitly stated in the job posting, a car is required for a number of positions.

With loans for the unemployed, Magical Credit can keep your vehicle on the road, allowing you to take advantage of new career opportunities.


Why not rest and relax before beginning your next position? Get some sun, experience some culture, and have some fun before returning to your 9-to-5.

How Do I Pick The Best Lender For An Unemployment Loan?

Keep in mind that there are numerous lenders in Canada who can provide you with an unemployment loan.

 However, since the conditions at banks and credit unions might be more stringent and you typically need a job to qualify, you might need to explore elsewhere.

Alternatively, you could need to submit an application to a private lender, a no credit check lender, or a payday loan.

As long as you can afford your loan payments, these institutions are typically much more lax with their restrictions.

They may also provide more flexible repayment arrangements and quicker approval processes.

Research Carefully And Keep An Eye Out For Scams.

All things considered, it’s crucial to carry out research and evaluate a few local lenders before disclosing any personal or financial information.

After all, increased interest rates and potential administrative costs are among the biggest hazards associated with unemployment loans.

Research is crucial since alternative lenders are difficult for the government to supervise, which increases the likelihood of scams, fraud, and illegal rates.

These predators either want to steal your name, money, and financial information, or they want to sell you a bad loan at an exorbitant price.

Take Caution With Your Canadian Employment Insurance Loan

For instance, a payday loan deposits a small lump payment ($100 to $1,500) into your bank account.

Because there are few prerequisites and quick approval times, these loans are alluring. Furthermore, if you have a monthly income of any kind, some payday lenders will approve you even if you don’t have a job.

Payday loans are unsafe despite having extremely high interest rates (300 percent to 500 percent APR) and just 14-day repayment terms.

Despite the fact that they might be a good choice in an emergency, there are a lot of costs and potential penalties. Due to all of this, payday loans can be significantly more expensive than standard jobless loans.

Check your lender’s qualifications before applying and make sure they have a track record of happy clients and a positive BBB rating.

Employment Insurance Loan Conclusion

Anyone can lose their job, so there is no reason to feel dejected or depressed. It is preferable to have emergency money set aside to handle an unanticipated job loss so that you do not require a loan when you have no regular income.

It is also crucial to grasp the Canadian unemployment system so that you can take advantage of all available assistance and benefits.

 However, for some individuals, an emergency fund is a luxury, and government benefits may not cover all of your needs, so an unemployment loan may be your best alternative in this situation.

Make the most prudent loan decision possible by considering interest rates, payback terms, and fees to ensure that unemployment is not a severe financial setback.

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FAQs about Employment Insurance Loans

How does an EI loan work?

The way EI works is that your employer deducts an employment insurance premium from your wages on a monthly basis. Then your company will then contribute four times the amount you donated to your premium. So, if you lose your job due to a natural disaster, an economic crisis, or any other reason that is not your fault, you will be able to collect and survive on employment insurance for a time.

Is the employment insurance loan viewed as a source of income by lenders?

Yes, certain Canadian lenders may take income from EI, CCB, social assistance, and other government benefits. However, given the temporary nature of these sources of income, lenders may provide shorter terms and higher interest rates to compensate for the greater risk they assume.

How Much Unemployment Insurance Benefits Will I Receive?

Typically, you must prove that you have worked at least 420 hours to qualify for EI. Ultimately, it depends on your province in Canada and the local unemployment rate. In some provinces, the work time might sometimes reach 912 hours. The benefit you get in monetary terms is based on your weekly or monthly earnings, as the case may be. However, depending on the unemployment rate in your province at the time you make your EI application, you can get EI for anywhere between 14 and 45 weeks. The basic benefit rate is 55% of your typical wages, up to an annual maximum of $49,500 or a maximum weekly payment of $524.

Can anyone get a payday loan if I am not employed?

It depends. There are payday lenders who will approve you if you are unemployed but have a stable source of income, such as unemployment insurance, a disability pension, or a pension. Lenders evaluate your income to see if you are able to repay the money you  borrow as a loan.

Can I use EI to take a payday loan?

In Canada, obtaining a payday loan while receiving unemployment insurance will not affect your benefits. Due to the fact that certain lenders recognise EI as a good alternative source of income, getting an EI loan can increase your chances of qualifying for a payday loan. Therefore, if you need a loan while receiving EI, the first step is to locate a lender that takes it. If you do not have any other sources of income, unemployment insurance can be extremely useful. It can show a lender that you have a good chance of repaying a loan despite being out of work.

Am I eligible for a loan if I'm currently unemployed?

Yes, you can still qualify for a loan if you receive money from a non-traditional source despite being unemployed. This includes income from investments, rental properties, pensions, disability benefits, and other government benefits like the Canada Child Benefit (CCB).

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