Horrible company, scammers! Will keep charging you after your loan is fully paid be aware & stay away! Hidden charges at its finest. read more

This has been one of the most frustrating financing experiences I have ever had. When I agreed to finance a vehicle, the terms that were presented to me during the process were not the same as the terms that were ultimately applied to my loan. The interest rate ended up being significantly higher than what I was initially led to understand. After the financing was finalized, I also discovered additional penalties and charges that had never been clearly explained beforehand. What makes this even more troubling is that there was no proper notification about these charges -- no email, no SMS, and no transparent communication from the company. As a customer, this creates the impression that important information is not clearly disclosed and that borrowers only discover the real conditions of the loan after the agreement is already in place. Financial institutions that provide consumer loans should operate with full transparency, especially when dealing with significant financial obligations such as car financing. In my case, the entire process felt misleading, poorly explained, and lacking basic transparency. Because of this experience, I strongly recommend that anyone considering financing through LendCare carefully review every document and verify all terms independently before signing anything. I have already filed a complaint with financial regulators and consumer protection authorities so that this situation can be properly reviewed. I am seriously concerned that the terms of the financing may not have been fully and transparently disclosed before the agreement was finalized. read more

Warning to anyone considering dealing with LendCare I was misled regarding GAP Insurance. I was promised it could be cancelled at any time -- but later I was told it "cannot" be cancelled, and suddenly I "owe" $1,800. * They will not say which insurance company provides the GAP coverage * They do not explain what the charges are for * Support staff are rude * They hang up during calls * They call at 6:30 AM * Managers say they will "help," but nothing happens * There is no physical office you can visit I actually flew to Toronto to speak with them in person -- there was no one to talk to. If you are thinking about financing through LendCare -- think ten times before doing so. If anyone knows the proper legal way to resolve issues with them, please contact me. read more

Zero stars! STAY AWAY! Trust me when I say chose someone else. They stole unauthorized funds from my account 2 months ago! No explanation as to why. Just repeated attempts to see my monthly financials to prove they didn't deposit the funds. Zero accountability and I'm sure they won't be around for too much longer! Trust me STAY FAR FUCKING AWAY!!! read more

Extremely disappointed. I reached out multiple times to make an early loan payment and requested they take an additional amount -- but received no reply to any of my emails. If you're planning to take a loan with this company -- I strongly recommend you look elsewhere. They don't respond to emails, and if you're hoping to pay off your loan early to save on interest, this company won't make it easy. No wonder their ratings are so low. read more

STAY AWAY FROM THIS COMPANY!! THEY ARE ABSOLUTELY THE WORST!. IF I COULD GIVE ZERO STARS I WOULD! I bought a vehicle and got approved through them( which was fine). The company i bought the vehicle off of went bankrupt and i never received my vehicle, and now im dealing with omvic. This company has zero understanding, all they care about is their dam money. They changed my interest from 14% to 25%. Ive put stop payments from my bank. Lendcare knows the situation and still continue to try and take payments and my credit went down over 150 points because of these A**HOLES!! Please dont ever ever use them!! read more

It took Lend Care 14 days to review my income with several requests about T4 slips Save your time go to Steele Advantage instead. I would give them 0 but it wouldn't let me read more

Absolutely predatory and manipulative finance company. I requested a simple payment deferral in December 2024, which they ignored for months, only to later pass my file to a sketchy third-party agency (Cancap Group) that isn't even listed in Alberta's public registries. After they issued a repossession election and no deficiency balance agreement--which legally closes the file--they continued emailing me trying to restart the loan and get more payments. I was lied to, pressured, and eventually blocked from contacting them altogether. Their agency threatened legal action if I reported them, hung up when I cited Alberta law, and ghosted me when I asked for transparency. I've since filed complaints with the Alberta Ombudsman, Consumer Protection Alberta, BBB, and am preparing to escalate federally. This is a textbook example of bad faith finance. Avoid this company at all costs if you value your rights and mental health. read more

DO NOT DO BUSINESS WITH LENDCARE. I obtained a loan with EasyFinancial which was transferred to LendCare. The first time the payments were going to be taken from LendCare, they took out more than double the correct amount. This situation was eventually rectified, but for a company designed to help those with bad credit, taking extra money for no reason seems particularly egregious. When I was ready to pay off the balance of my loan with LendCare, I called more than a dozen times, with most of my calls being dropped after 10 minutes on hold. The 3 times I did get through and ask for loan payout details, the rep on the phone said they would send and that I would receive an email within a day, and that email never came through. Now that the cheque has already been sent to LendCare to close the loan, they are still trying to take payments from me for the account that should be closed. Do not deal with this company. Customer service is not helpful, and your money is not safe with them. read more

I took my cat to the vet. It was expensive. Luckily the vet clinic had a payment plan option. I applied and was approved. It was through Lendcare. My payment was a little over $18 per month. I had it come out of my account every month automatically. Everything was fine for about 6 months until my bank account was the victim of fraud/identity theft. My bank had to immediately shut my account down and I had to go into the branch to open a new account. This occurred at the same time as Lendcare attempted to take their payment. I was unaware that it didn't go through since I had no access to my old account. Two weeks later, my phone started ringing off the hook. Over and over agin. I didn't recognize the number and worried about getting scammed again (since I think this is how the fraudsters got me last time). The calls started happening every 5 minutes. 52 calls in one day. I finally answered. An awful man told me that the $18 had bounced and that I now owe a $95 NSF fee. I told him I wasn't paying it. I wasn't even sure the man who called me was legit. After losing my cool on the phone with him and hanging up on him, I called back with the legitimate number I have. Another person helped me. I needed to provide the new account info and an error letter from my bank and send it via email. I did as they asked. Then my phone kept ringing over and over again from Lendcare. When I answered, they'd hang up. Over and over. The next 3 days in a row, I was called several times a day, each time they're unaware that I've already been called. So far, I have now sent the new banking info and error letter five times. Today they told me the letter from my bank is not accepted and that I will owe $95 in NSF fees. They say it now needs to be stamped and dated. Now I have to go to my branch to do that. They're making it difficult on purpose, I feel. I have a feeling they won't accept the STAMPED letter either. My phone is still ringing all the time. The saga continues. They're smug, relentless, awful to deal with, and I just learned they charge more than 50% interest for poor people. I am going to pay off the balance of my loan, be done with them, and spend the rest of my days telling people to avoid them. Avoid this terrible company. You've been warned. read more

They need a lot of help improving this is supposed to be a credit building loan. It's been nothing but a credit destroying loan and the extra insurance I purchased they put as a second loan, so don't do it. Somehow my signature has been actually initials transferred to these loan papers. Which is now written up as a loan. First off if you call in, you will never get the same person to deal with an issue and if you ask for a copy of your loan, it will take them over six months to get it to you. I received 41 NSF in December 1975 dollars. my bank closed my account. I've tried to resolve this issue by asking to amalgamate both loans( together to pay outright second loan is supposed to be GAP insurance and disability insurance Isigned papers for insurance 1200 filled out the forms in February22 with my doctor and they said they never received it even though it was sent registered mail and still not a word about and it's no September I want to resolve this issue so I offered I would pay them a lump sum. They agreed they gave me an amount. I paid it eight weeks later. I'm starting to get calls again for both loans stating they are unpaid where did my money go i'm going to dispute Equifax and Trans Union. Also, the insurance was turned into alone and it's not my signature. I told him to compare and they will definitely see. I would never sign for a second loan it would not fit in my budget February I filled out for disability insurance registered mailed it to them for six months. I've been asking them and they state they never got it even though it was registered with signature through Canada Post also also they have three different types of interest on your loan They have a no Grace part in their contract that was never there when I signed it. Also, there's a lot more that has changed after I asked for a copy of the contracts. It took eight months to receive I can prove it in court, which is where this might be heading if you're looking to civil action lawsuit, please contact me. read more

Im being brick walled via email when i stated i want out of my contract because the item i purchased broke within a month of having it and the distributors that sold it to me told me a return is not available after 10 days. even though the paper i signed stated a $250 shipping/restocking fee would be charged to my account should i feel like i no longer want this product. So now im going to call the better business bureau and my bank to halt any further authorization of payments to this company. I hate you lendcare and people beware of facebook scams for stuff like the rainbow vacuum. The real company for them has authenticated products and that is something YOU need to check for before buying similar looking products without first verifying authenticity. read more

LendCare - "Rainbow Vacuum/Air Purifier" - False Serials/Mismatched Serials - Financial Services Near Me - Pickering, Ontario

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Terrible company. Run guys, they are huge predators and will destroy your account by every means. Do not lend from them. My interest rate is 31% even with good credit score. Run guys. read more

terrible company, I would advise to NEVER get a loan with them. They are scum and will rip you off. the loans they sign are ridiculous. please tell me why a loan company would agree to a 20,000 loan for a 2000 retail Yamaha kids quad. also they are except from the Alberta cease and sue law, so that's not on your side. they have no recordings of phone calls. Garbage company. do yourself a favour and don't get involved with these scammers. read more

​It is a very bad loan company. When you miss a payment, it keeps going to the account every single day. The bank will charge you every day for insufficient funds the company charges you $75 a day read more

LendCare - Financial Services Near Me - Pickering, Ontario

These people are PREDATORS! STAY AWAY! when one can finally get through, they are rude and argue an irrational point. They take way more then agreed upon and are only out for money. They would not even let me speak with a manager. Something has to be done litigiously to stop them. They are loan sharks in suites taking advantage of our citizens in need. I would rather get a loan from a crime syndicate then deal with them again. I would propose a class action law suite for anyone interested in joining me. ryan@ryanbathgate.com read more

I purchased a car they are the lenders they are terrible took payment out when they shouldn't of and when it didn't go through upped my car payments. They are not a nice company. Next year I will go with a new loan company and hope my interest payments are lower. They took 3 weeks to approve my loan it was so stressful. Would not recommend them to anyone as they are fraudsters big time. Stay away from them. Their staff are so rude hung up on me when I needed to change my address. Buyer beware. read more

If I could give this company minus 100 stars I would. If you are thinking of dealing with them. Run away as fast as you can. They are extremely predatory. They will raise you load amount. Take money out of your account without notice and thier system will try and try and try until they get the money. No matter what it costs you in nsf fees. They will not try and contact you, they don't care. Customer service is absolutely rude and pathetic. They will yell.at you, talk over you and not listen. read more

Look elsewhere for a loan these guys are predatory got a seadoo from them that was $9000 on marketplace that they are trying to charge me over $41,000 for....the worst part is the seadoo is a piece of crap and been in the shop since I got it and already spent thousands trying to figure it out....anyone that wants proof of this reach out and I will send my loan terms over as well as all my bills from the dealership read more

Ridicules service I saw, the market interest rate is 7% and they charge me 11%. Now I missed my payment and they reprocessed the payment within two days, and they increased my interest rate from 11 to 21 percent. How come, seriously ridicules service I ever seen. Please don't go with Landcare Capital if you want to purchase anything. DON'T GO WITH THIS COMPANY. Worst service read more

The most bad bank i saw in my whole life i give them 0 they are so rude and when you call them to ask about your loan no one answers

This is a TOTAL SCAM company masquerading as a lending institution. They begin making unauthorized loan dedications in any amount they feel like, and emails and phone calls to customer support and managers go unanswered. It is impossible to reach anyone in this company. After speaking with my Attorney and the Police, I found out that they are currently the subject of several investigations by the FCAC, CDIC and multiple lawsuits. DO NOT, DO NOT! do business with this company at all! They will compromise your bank account and practically STEAL your money. read more

Increase car payments 10% after not missing payments for 6 months straight. The only reason they didn't see money for the car is because TD closed by account which I notified them most lenders with charge 50 dollars or 100 not increase monthly payments so disappointed read more

This company are crooks I wanted to cancel my account and because it was 2wks over the 30 days which I was mislead on they wouldn't let me This is bullshit I never heard of not being able to cancel anything in my life I wouldn't recommend anyone to this company even if was a loan for a wheelbarrow tire they are thiefs taking advantage of people who have small income read more

After multiple calls to this company requesting to change payment dates, not only they took money on the date requested, they took more money out 5 days later and resulting in overdrawn to the bank account and refusing to return it. Company is a scam read more

WORST COMPANY EVER!!!!!! Traded in my vehicle and paid the balance off. Month after they continue to with draw payment and causing me hundreds of $$$ in NSF charges. They are horrible and unprofessional a representative laughed and hung up after I waited on hold for 40 minutes. read more

I asked to defer a payment till my next payment date as I went to a different province to go see my kids for Easter . but what the didn't tell me was if I was to defer the payment my interest which is akready as a crazy 23.5% went up to 33.5-% . so I said I can't make these payments come take the bike and the lady says well we will just sue you . awesome customer service lol read more

ATV purchase financing. Lendcare was the company my local dealership deals with, so I did not have a choice. Terrible customer service. Employees answer the phone with simply "Hello?" rather than "Lendcare, (Employee) speaking. How may I help you?" If it were not for the automated directory, you would think you had the wrong number. You can hear multiple conversations in the background making your own conversation difficult to follow. No two employees offer the same assistance. I have a voicemail saying my late fee could be waived if I called back ASAP, but no extension was left to call. The person I connected with laughed at me for mentioning the voicemail and said they would never offer that. $75 fee per late payment and interest increased. I would not recommend this company. read more

this place is a joke.. high interest rate, taking extra unauthorized payments you call and they hang up on you and the girl Debbie is brain dead and shouldn't be working with anyt that involves though.. I have all the emails to back up their incompetence read more

Lendcare is by far the worst loan company i have ever seen, they said i didn't pay off my loan when i paid it off in full and now i have to pay more then what my loan was. they are complete bs and its been going on for 8 months. do not, i repeat, do not get a loan through these scammers. read more

I requested for my Loan statement twice from this company. They claim to have a wrong email address (the form I signed had my correct email address), I provided it again. I still do not have the statement. This is a red flag for me for incompetency at the highest order for a lender! read more

A couple of years ago I went to my local Honda Powerhouse dealer to buy my son a Honda CRF150R dirtbike. The main finance guy was away, so the assistant manager dealt with me on the financing. The recommended LendCare Capital. My son was excited to get the bike and we began the paperwork. Total bike cost with tax - $6,893.64 I came back later to sign and take delivery only to find there were many extra fees on top of the 24.16% interest rate. The required life insurance for a fee of $653.88, even though I have $3M in life insurance already. Then, the required me to have GAP (Guaranteed Asset Protection) of $795.00. Then they added a $699.00 Registration Fee. A finance fee showed in the box where the PPSA (Lien Registration Fee) is of $2,038.10 - this makes the total to finance $9,585.63 - $2,691.98 in fees before we even leave with the bike. It is a 60-month loan so if I take all 60 months the cost of borrowing is $16,467.10! Almost $10,000 for fees and interest for a kids dirtbike. My son wanted to go riding that weekend and we had spent days dealing with these guys so I thought I would just pay the loan off early to avoid the high-interest charges - which I did later when they took a payment out early one month and they charged me a $75 NSF fee. I argued that they took the payment out early and the $75 fee was above industry norms. No effect. I then learned that the returned payment (even though they simply took it out a couple of days later) bumped the interest rate by10% to 34.16%. This all for a kids dirtbike. I would highly recommend no-one deal with a company that literally rips off its customers. Off-road vehicles have to be insured and registered here which I had done. All these fees and costs are cash-grabs. I now will also go out of my way not to do business with Honda Powerhouse here in Kelowna, BC based on them even referring their long-time customers to a company like LendCare of Ontario. read more

They higher your interest rate when A payment is missed so u pay a good extra hundred a month per missed payment

This company has no integrity, liar and a crooked. I bought a vacuum and the company I dealt with use this financing. Since it had deferred payment of 6 months and as long as I pay it before the due date no interest charge. In short, I paid the loan one week before the due date. I called them to take the whole amount and next thing I knew, there were 2 withdrawals from my account. They took 4500 which I owed and then they took another 582 dollars. My due date was June 15th and the withdrawals were June 10th and 11th. I called them that they took more money than what I owed. They promised to return my money back. Three weeks after I called again to find our why I haven't got my money back. Now, they said the person who did the calculation was right taking that money out coz of the interest. I told them I paid before due date so I shouldn't be charge of that much interest. The person keeps arguing that I owed them that much and won't return my money back and hang up on me. I was mad and frustrated coz I couldn't get my money. They are disgusting and what they did was unlawful. Is there any out there who could advise me what to do. read more

i'm thinking about taking them to court this month someone needs to do it. i'm having the same problem as everyone else. they keep taking random payments. I called to confront them about the first time it happened guy said it was just a system error so he'll put "REQUEST" for a refund.... which he said would take about ten bussiness day's... didn't get any further then that called again to explain two more came out well they then said we will escalate this further. well one more came which they were nsf because I keep my money in my savings which i'm happy bcause it's only $45 instead of $178 which still three weeks nothing has happened other then more transactions. call them today on 2024-08-08. nothing went further. The guy on the phone talked to his manager saying I need proof of money in account because of nsf which that was awhole different situation that happened and was settled already. then he told me I talk to a another guy about this. so i Said no i talk to the same lady twice which we settled this. i'm mad about you guy's having a system error that keeps doing not permitted transactions on my bank account I don't need proof of funds because it's not my fault for the nsf my account is alway's up todate. which you guy's took blame four times and now haven't fixed it. l also let the guy know all voice phone calls are recorded for reasons like this which will make it easier to look into this situation. I want my refund and compensation for the stress you put on me mental. if one more not permitted payment comes after today 2024-08-08 I hereby take you guy's to court!!! please don't reply with sorry to hear that contact support so we can look into this further I heard that so many times on the phone I want results like what you guy's get when you take my payments!!!!!!!! read more

i will not be dealing with this company anymore as of friday. my account is finished and dont owe them any more money. and the other reviews are very accurate. worst loan company ever. wont give a break ever after you are dead. i just called back and asked if there was anything that they could do for me sin ce the loan was in my husband`s name and he died in august. they told me so what the debt still has to be paid. tough luck. never again!!!!!!!!!!!!! read more

Not good experience. My ex bf got a loan from them for his rainbow vacuum and added me on "to boost my credit". Fast forward a year and he stops making payments. I'm getting hounded daily by them when I have had no contact with him for over 6 months. He told me he took my name off but they say apparently that's impossible. This was an arrangement just for him, out of his banking account and now i'm getting screwed for it. read more

Naomio Langdon is the worst to deal with. She has a very poor attitude. She is extremely rude to customers. She talks over you and won't allow you to talk, all she wants to do is yell over you. I could not eve speak without her talking over me and therefore not even hearing her. She refused to listen to me and was a total bitch. This company needs to get their shit together. I will never deal with this company again once payments are done. The worst company ever. They talk down to their customers too. I asked to speak to management and she wouldn't even give me the name or number. They made a mistake and disengaged my vehicle because they were looking at someone else's file! read more

The worst company I have ever dealt with. If you are considering dealing with this company you will be making the one of the worst mistakes of your life. read more

Worst thing I've ever done in my entire life, they are horrible i wish i could put -10 stars. I got a loan with them almost a year ago, everything was fine until i forgot to update my banking information and they took the upcoming payment out and it wasn't there. I called the next day and explained what happened and i said i have the money now i can make my payment. They charged me $70 nfs fee ( which is fine, really high but w.e) My next payment came out and it was $30 more than normally... i called and this thief's said they charge 30$ more for each payment for the next 6 months!!!! 30$ every 2 weeks! For missing ONE PAYMENT!! I don't know how the government approves this, this is stealing!! I am Working on getting some money so i can pay them off ASAP! Im not going to keep giving my money away. PLEASE DO YOURSELF A FAVOR AND DO NOT GET INVOLVED WITH THIS PEOPLE!! read more