Consumers - Smart-IE

Join the SMARTi&E Revolution

Take back control of your situation today. Don’t let debt worry you and lead to stressful and sleepless nights. Take action and form a game plan which has your best interests at heart.

Simplify your finances with SMARTI&E

Struggling with financial conversations? With SMARTI&E, managing your finances is easy, stress-free, and convenient. Just fill out our simple form to communicate with your creditors effortlessly. Let SMARTI&E handle the details while you enjoy peace of mind.

How SMARTI&E Works

SMARTI&E is your online companion for affordability assessments, often required for credit applications, rental agreements, or repayment plans. Avoid nerve-wracking calls and discover benefits you might be entitled to, boosting your income without impacting your credit score. In minutes, get a clear view of your financial situation to make informed decisions.

Understand your current and future affordability
Set up repayment plans
Adapt to life changes
Plan for major purchases
Access free debt coaching
Navigate life beyond high school
Support for newcomers to Canada

Simple and safe.

Our free tool has no impact on your credit score, is totally free to use, and you can cancel anytime and comeback when you’re ready.

Safe & Secure

Benefit Checker

Totally Free

Credit Reports vs. SMARTI&E

Credit reports focus on debts owed to businesses, ignoring essential expenses like groceries or childcare. They also don’t consider your income, leading to unrealistic repayment demands. SMARTI&E offers a comprehensive view of your finances, considering all your expenses and income.

More ways SMARTI&E can help you...

Handling Life Shocks

Life can be unpredictable with events like divorce, illness, or unemployment. While SMARTI&E can’t prevent these, it provides breathing space and informed decision-making based on your affordability.

Planning Ahead

Worried about major purchases or commitments? SMARTI&E helps you understand the impact on your finances, ensuring you make decisions confidently.

Credit Coaching

Canada's financial industry includes both helpful businesses and those looking to profit from your circumstances. SMARTI&E collaborates only with reputable debt counselors and advisors, streamlining the process and focusing on solutions.

Newcomers and Credit Novices

If you're new to Canada or have a limited credit history, SMARTI&E can help verify your identity and creditworthiness for landlords, businesses, or educational institutions. Unlike static credit reports, SMARTI&E provides a dynamic view of your financial situation, allowing for updates and adjustments as needed.

Secure and Empowering

Your SMARTI&E profile is yours to control, securely storing your information and preferences. Join the SMARTI&E community today to take control of your finances, reduce stress, and step confidently into your future.