Welcome Cash Money Customers in BC, NL, NS, ON, & SK

Loans in Canada
up to $25,000

Quick lending decision, quick funding, and no hit to your credit to see what you're pre-approved for.§

Get Pre-Approved

Personal Loans to Fit your Goals

Whether you apply online for a Line of Credit or at a branch for a Secured Loan, you'll find out exactly what you qualify form with no impact to your credit score.§

Loan Protection

Optional Loan Protection could help cover your loan when unexpected life changes or lifetime milestones happen.

15 Minute Funding

Receive your money quickly! You could get your funds in as little as 15 minutes with interac e-Transfer®.

Account Management

Make payments online or on the LendDirect mobile app.

Line of Credit

Online, By Phone, At a Branch

  • Up to $10,000

  • Borrow what you need, pay only for what you use

  • Apply once and access available credit anytime, anywhere

  • Get pre-approved with no impact to your credit score§

Get Pre-ApprovedLearn More

Secured Loan

At a Branch

  • Up to $25,000

  • Secure your loan with your vehicle

  • May qualify for more than a Line of Credit

  • Help build your credit†

  • Get pre-approved in a branch with no impact to your credit score§

Find a BranchLearn More

Line of Credit

Online, By Phone, At a Branch

  • Up to $10,000

  • Borrow what you need, pay only for what you use

  • Apply once and access available credit anytime, anywhere

  • Get pre-approved with no impact to your credit score§

Get Pre-ApprovedLearn More

The LendDirect Application Process

Your path to loan funds made simple through LendDirect.

Apply Phone
Apply Phone

1

Apply Your Way

Apply online, by phone, or at a branch.

Secured Loans are only available at a branch.
Apply Phone

2

Submit Your Information

Provide the required documents. Get a quick lending decision and review the documentation. Once approved, sign your loan agreement.

Apply Phone

3

Get Your Money

Use Interac e-Transfer® electronic funding or direct deposit to your bank account.

Apply Phone

4

Manage Your Account

Easily keep track of your account online (or in our LendDirect mobile app)!

Apply Phone

1

Apply Your Way

Apply online, by phone, or at a branch.

Secured Loans are only available at a branch.
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Why Borrow with LendDirect?

LendDirect has proudly offered safe and secure personal loans in Canada since 2016. Constantly evolving, we've embraced change to ensure our Customers get the best loans and service we can provide. You're welcome to choose how to apply with us online, by phone, or at a branch.

Everyone enjoys a classic, and the Line of Credit is a favorite. Apply, and once approved, you never need to apply again to access your available credit. Quickly borrow as little or as much as you'd like up to your approved limit. Your payment will be returned to your available credit amount, so you can continue to borrow. Plus, you only pay interest on what you use.

Interested in a Secured Loan? We offer those too! But we do ask that you visit us at a branch. Bring the required documentation and your vehicle that will be secured to the loan. Once approved, you may qualify for more money than our Line of Credit. With a consistent payment schedule and a set loan term, you could be driving potential money. Get pre-approved in minutes for the available loans you qualify for in your area.§

Everyone enjoys a classic, and the Line of Credit is a favorite. Apply, and once approved, you never need to apply again to access your available credit. Quickly borrow as little or as much as you'd like up to your approved limit. Your payment will be returned to your available credit amount, so you can continue to borrow. Plus, you only pay interest on what you use.

Interested in a Secured Loan? We offer those too! But we do ask that you visit us at a branch. Bring the required documentation and your vehicle that will be secured to the loan. Once approved, you may qualify for more money than our Line of Credit. With a consistent payment schedule and a set loan term, you could be driving potential money. Get pre-approved in minutes for the available loans you qualify for in your area.§

Lets get's started.

Get Pre-Approved

LendDirect Blog: Stay in the Know

Ways a Personal Loan Could Affect Your Credit

Date: February 24, 2026

|

Author: Sarah Sumner

A personal loan can be beneficial in lots of ways. From bridging a financial gap to having the potential to build credit, but it’s all in the way you use it. With responsible borrowing and mindful management, you could set yourself up for a positive credit score experience.

Read More

Tips that May Help You Get a Line of Credit with Less-than-Perfect Credit

Date: January 31, 2026

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Author: Sarah Sumner

Less-than-perfect credit, or even poor credit, doesn’t have to mean no options. By doing some research, continuing to be financially responsible, and adding a couple of tips to your money-handling routine, you could bring yourself closer to your Line of Credit goal!

Read More

What Is a Credit Check?

Date: October 17, 2025

|

Author: Sarah Sumner

The phrase “credit check” is commonly used in financial-based conversations about loans, home rentals, or even job applications. But they entail more than just uncovering a three-digit number. They give lenders an idea of your creditworthiness. Keep reading to discover what you need to know about credit checks.

Read More

Check Out Our Reviews

Excellent

Based on 2294 reviews

Thank you for the great service and…

Thank you for the great service and creative solutions - Anna Joncas, Branch Manager and team, Peterborough, Ontario

Kim Dobson, 19 hours ago

When in a pinch affordable and fast in a sintch

So so much better then the original cash money store because there deadline due dates fall on the days that checks and low level incomes come out on such in Feburary the due date is for the 27 which is a Friday instead of cash money making it the Thursday which is a day before money comes in it way better lend direct and they have line of credits and payday loans well if used right manageable paybacks I like the online interaction how simple and clear it is no confusions and if there a problem staff are friendly nice and right to the problem couldnt ask for better service 5 superstars in my books yeah! Always a helpful hand when needed. If used right and paid on time it can be a life saver in those tight times or the those moments of indulgeness that but just short of cash wise. Great team an company

James, 3 days ago

As an international student currently…

As an international student currently pursuing my second program in Canada, applying for a loan for the first time felt overwhelming. I was unsure, nervous, and honestly a bit scared about how the process would work. I discovered LendDirect through ChatGPT, and I am very thankful that I did because the experience turned out to be smooth, straightforward, and clearly explained from beginning to end. I would especially like to recognize Angie Campeau for her excellent service. She guided me through every step with professionalism, patience, and genuine care, making sure I fully understood the process before moving forward. Her clear explanations and supportive approach made me feel confident and comfortable with my decision. The approval process was quick, the repayment terms were flexible, and the overall service exceeded my expectations. I truly appreciate the support I received and would confidently recommend LendDirect to anyone looking for a reliable and supportive personal loan provider.

Nep Vincent P. Lunzaga, 8 days ago

Showing our 5 star reviews

Frequently Asked Questions

Want more answers? Check out our FAQs page.

You can choose to receive your funds in as little as 15 minutes via Interac e-Transfer® or via direct deposit into your bank account. See funding times for details.

You can check the status of your application at any time by logging in to your online account. You’ll also receive email alerts as your application is processed.

Verifying your income helps us determine the loan amounts and repayment schedules that will best fit your financial situation.

During business hours, applicants may receive a pre-approval decision almost immediately. If final approval requires verification, you will be notified immediately. Once your files are received, you should have your final lending decision within 48 hours, often the same day.

A Line of Credit is a personal loan that can be used for ongoing personal expenses. It gives you access to your money when you need it. Once you’re approved, you will receive your loan credit limit. You have the flexibility to borrow any amount at any time, up to your approved credit limit. No need to reapply to access funds – if you have available credit, you can request additional advances.

To receive funds on your Line of Credit, you’ll need to have a bank account that accepts direct deposits or Interac e-Transfer®.

You can apply online, over the phone, or at a branch. To see if LendDirect services your province, visit our loans page.

To apply with LendDirect, you will need to be at least 18 years old and have the following:

  • Valid ID
  • Steady source of income
  • Open chequing account
  • Phone number
  • Home address

You can apply for up to $10,000. Discover how much you are pre-approved for without affecting your credit score.§ Get pre-approved today!

Our online application will ask for a variety of information. Please have the following ready:
  • ID number
  • Income information
  • Open and active bank account, institution, and routing number
  • Proof of income

A Line of Credit gives you the freedom to access money whenever you need it. If you're approved for $3,000 but only need $1,000 right now, you can borrow what you need and pay interest only on that amount. Then, if you need more money in the future, you can request additional advances to access the amount you need – up to your maximum credit limit.​