"Fair"

The sign-up process wasn't difficult & the customer services was good. The only complaint is that I wasn't able to pay when I felt comfortable. I wanted to extend my payments for 10 years & they won't let me. They didn't have a good reason other than, "our policy wouldn't let us",

Overall, they aren't bad & one of the lowest interest rates I could find in Toronto

EDIT SEPTEMBER 2017 - 3 stars to 5 stars

The manager of customer service called me explaining the why they cannot extend the pay period to 10 years. I was offered many different options to help ease the payments. Still not exactly what I wanted, but since they cared enough to find a solution, that deserves five stars.