Capital Direct

I had loan with capital direct, thank god I don’t anymore. Everything I paid in 1 year did not reflect that I even made a payment. Year 2 all my payments did not make a dent and my loan doubled. Year 3 would have doubled again, I had a lawyer arrange to make the payment of the loan in full. Capital direct will not take me off their mailing list, like I would ever borrow from them again. BE VERY CAREFUL WHO YOU BORROW FROM!
NO STARS!

Reading reply’s from this co. Very condescending for the people that are very upset. How clever of you. I don’t know how you people sleep at night. The government should be looking at you co. There is a name for what you do!

We were looking for a simple way to cover expenses. We decided to use Capital Direct to help leverage our financial situation. Over the term of our loan with them they were extremely helpful and accommodating. I have nothing but good things to say about our advisor, Macy, and the staff there.

My experience was very positive. Of course, the process of getting a line of credit/mortgage is complex regardless of the lender you deal with, but Nicholas, my advisor at Capital Direct made it easier. He responded to my emails promptly and was pleasant. I felt that everyone at Capital Direct was there to help. When I go to a bank for credit I feel like I'm being judged. Thank you!

Had a great experience with Capital Direct
Good fast service, made the process painless
Would recommend if needed

I shopped many before landing on Capital Direct. They provided a fast and professional home equity loan. They have allowed some breathing room to weather the storm.

Had a great experience with Capital Direct. Our mortgage broker was very helpful, efficient, knowledgeable and responsive. Rates are high these days, so its nice to work with someone who can works towards a solution for your needs.

My name is Cori Urquhart, I had a wonderful experience with Capital direct. It was a fast and easy process to receive a loan for debt consolidation. Greg was so helpful and personable. He knew my financial needs before I did. I would definitely recommend.

Just wanted to say that Stephanie at Capital Direct is very professional and made the process quick and easy. I would recommend Capital Direct over the other competitors. Thank you Stephanie!

We used capital direct for the first time to pull some equity out of our home. The process was quick and easy.

Macy was most helpful and informative during the process with Capital Direct. The experience was surprisingly pleasant compared to the hoops that traditional banks have you jump through:)

I found Capital Direct to be a great lender. Greg Kakuno's service is amazing. Common sense underwriting and straightforward answers. What you see in their product and rate sheet is what you get, which is huge. No, if’s and but’s. One of the few MIC's that does have the flexibility and common sense to offer exception in deserving cases.

Loan sharks, this should only be a last resort for anyone, interest rates will climb sharply and they will only offer short term loans to ensure there is a 2% or more increase regularly. You'll be looking at a loan amount that has not hone down $1 dollar because of the interest, NOT worth losing your house over

I have had to deal with Capital Direct on several occasions when in emergencies and they always came through for me in the shortest time possible so I have the funds to deal with my situations. I am thankful for the help I received but of course if at all possible I would like to pay them off as soon as I can. Their help is appreciated at the time.

Beware- once you are in you will find it very hard to pay off the principal. The initial deal is favourable but interest rates rise every time and they charge you an arrangement fee every year that eats up the little principal you actually pay off.

I read few reviews and I see totally different opinions. I will add my negative opinion to this pot. There is a need for such companies, I agree, as banks are very strict and they do not go above certain limitations. I ended up in such situation and even my credit score (FICO) is way above 800 I could not get another loan from bank. After few phone calls we decided to take this loan from Capital Direct. We paid visit to Capital Direct office in Mississauga, Ontario to sign for it and we we were shocked few times during the process. We got to the point that we stood up and said we are leaving. I want to stress nobody lied to us, however we were not told many details about this loan. After signing few documents Sales Manager is giving us last agreement and he is on his way out telling us that now layer will talk to us. Before he left I took a look at this agreement and I found out that it is TWO years loan and interest rate for second year is much higher than first year. I spoke with him on the phone several times and he has NEVER mentioned it. I stopped Sales Manager just before he left the room and asked about it, he shrug his arms and said, oh, well, you will pay 100 dollars more. We did not have a choice, we needed this money badly and we did not have time to look for another place. It was for us too late. Now layer is entering room. Very rude, impolite. We ask questions, she is on the phone texting, not paying attention to our questions There was bunch of documents to sign and we wanted to know at least basic information what we are signing. She got very inpatient and after asking another question we got reply like we should know this stuff, this was a moment that we stood up and were ready to leave. So she finally calmed down and started paying more attention.
During the initial process on the phone I asked several times is it open loan? Even at the day of signing I asked this as well. Yes, it was in the contract that it is open loan, so we can pay it off faster. Except nobody told us that if we pay off something we will be charged three months interest penalty. Do you call it open loan? I do not think so. You can pay it off in full with no penalty, just administration fees ONLY at the end of first or second year of the loan. Now le grand finale. Second year of my loan is ending soon. My financial situation improved significantly and I can pay it off in full. Now I am asked to issue money order or certified cheque for some people I do not know and send it to address I do not know. I took a loan from Capital Direct in Mississauga, Ontario and I want to issue money order or certified cheque to Capital Direct not two unknown names. Also I want personally deliver this money order or certified cheque to the office in MIssissauga, where we took the loan, and get somebody to confirm it. As I said nobody lied to us, simply we were surprised by many things along this process so we do not trust Capital Direct. My recommendation is before you sign any loan with any of this companies read reviews, comments, ask a lot of questions. I hope what I wrote will help you people to know what to expect and what to ask.
I hope I will never need to take such loan again.
Andrzej Pasadyn

Capital Direct has helped me help my son and daughter in-law after the premature birth of my grandson. They were easy to deal with, very professional and it was one of the best financial experiences of my life. I was quite concerned going into it only to have nothing to worry about.

These people are crooks tell nothing but lies. Do not call you back! The service stops after they rob you blind! Use as a very last resort. This guy Greg Kakuno is a crook do not trust him!

Capital Direct has provided me with the ability to rest easy about being able to pay my bills and take care of my family after depleting my liquid assets after a serious car crash 4 years ago. I have not been able to return to work due to my injuries. Family has helped me stay financially afloat for the past few years but this cannot be sustained. I turned to Capital Direct for help.

Greg K.contacted me within 3 business days and we discussed the options available to me. He was informative, knowledgeable, patient, and kind to me while he answered all of my questions in a language I could understand (financial-ese is not a language I speak well).

The application process was simple, as was completing everything for my home equity loan. Everything was handled so efficiently and I found all of the staff to be extremely professional, while remaining personable.

Lastly, I would like to share that I applied to other lending companies and the experience was anxiety fuelling. The brokers at Alpine Credits refused to process my application without having my spouse co-sign the application, even though I have sole title on my home and he and I do not share finances. Capital Direct didn't ask for anything more than MY financial information and I was approved easily with them. I was treated with respect.

To summarize: Capital Direct is the place to go for your financial needs, and I am truly grateful for the service they have provided me.

Capital Direct was very professional and did what my bank wouldn't. The process was easy and Greg was very friendly to deal with, he answered all our questions and concerns.

I would definitely use their services again should the need ever arise

Thanks again Capital Direct.

ART

If give no stars would be perfect! Greg Kakuno will rob you blind! Can you say Shady! And its not slim shady! Greg and Macy One plays good gal other plays games Beware! This Company steals from old People!

Bunch of SHADY CROOKS VANCOUVER OFFICE TO BE EXACT. PRAY ON LITTLE OLD LADYS. SAY YPUR PAYMENT IS LOW FOR 2 YEARS ALL OF A SUDDEN DOUBLES. WAY TO MUCH COST TO BORROW YOUR OWN MONEY SLIME BALLS

I want to thank Greg and the staff at Capital Direct for their excellent service. I was very well informed and the application was handled efficiently with all my questions and concerns answered. I will be recommending their service.

It is good to know that Capital Direct & other lending institution are there for us the people. Banks sometimes loose track of what they should be doing by way of lending a helping hand. I really found Macy very informative and courteous and felt very comfortable dealing with her. I will not hesitate to recommend Capital Direct.

I do not have any experience with the company as a customer. However, I applied for a job as an administrative assistant & it was an incredibly disorganized & disrespectful experience. I initially met with one of the main directors for two initial interviews & this was a wonderful experience to start - he was warm & enthusiastic about my being a great fit in the company. I voiced concerns about whether I was a suitable candidate as at the time I was at more of an entry-level position to a full-time corporate office setting, & also not having direct finance-experience, & he told me this wasn't a concern at all. I was told all about the on-boarding procedures, & told he would let his partner know he had found a "great candidate" & it was a "no-brainer" (his exact words). I then went in for a third meeting to meet his partner, which I was under the impression was to simply quickly meet him & then finalise & sign work contracts, as they had been eager about an ASAP start to I quit my old job to take on this role. However, his business partner was rather demeaning, belittling & cold. I left very confused & heard later that evening through an agency (because they didn't even have the decency to communicate this directly themselves) that they had decided to rethink what the role would be & what type of candidate they wanted. If this is how they treat people who spend hours reading books that they have provided on how their company works, & who have given up 3 days to come & engage with them I wouldn't trust them with my money or mortgage. Incredibly disrespectful & sheepish behavior - & there is an obvious disconnect between the two main business partners. Long-term I am very happy to not be working here, & am much happier now at my role doing admin at Amazon Corporate Offices in Downtown Vancouver, however this was a very sour experience that I will learn from throughout my professional life.

We had a great experience with Capital Direct. When banks that we have been dealing with for years wouldnt help we turned to Capital Direct. Fast and effecient process. Greg and all the staff were great.we were close to Christmas and he had it all signed sealed and delivered prior to that day. We were able to pay down debt and have a little extra to use where needed. Thank you again for helping us get on our feet once more!

I'm interested in seeing these reviews. I had the worst experience with Greg. He is unhelpful and rude. First and foremost this company screens calls for individuals that you are dealing with and are unable to get in touch with anyone with out giving up your first born. Finally receive a call back from someone who happens to be Greg and he yells at you for asking a question on your file. No customer service what's so ever and very unprofessional person. To simplify stay away and run if you are ever put in touch with Greg. Plus there rates are meant to make the agent and the lender a very high profit and that's why the attuides are so bad.

I was able to give the second down payment for my new house. I didn't know about Capital Direct and my brother told me about it. Macy Chan was excellent and super helpful.
Thank you!
Rosmery Silvera