Get to Know LendDirect

In 2016, we had a dream to bring Canadians dependable personal loans. We saw a need that wasn't being met by banks, and decided things needed to change. That’s how we got to LendDirect. We offer personal loans with a personal touch because money is, well, personal. We believe that every person should be looked at as a human being instead of just a credit score. We are dedicated to doing everything we can to help those looking to stretch their income or overcome financial hurdles.

Our personal lines of credit provide what so many hard-working Canadians are looking for, but that so few financial institutions are offering them. With a line of credit from LendDirect, you could get the funds you need to help pay for expenses - either small, large or anywhere in between - and continue to pay for them, up to your approved credit limit. You can apply with LendDirect either online or over the phone. Whenever you find yourself looking for a personal loan, rest assured that LendDirect is there for you.

The LendDirect Values

Flexibility

A personal line of credit from LendDirect is personalized to fit your needs. If approved, you get unlimited cash advances whenever you need them, up to your approved credit limit. You only pay interest for the amount of time you use the funds and as you pay down your principal balance, more credit is available for you to access, up to your approved credit limit. We'll even give you the option to leave your line of credit open for up to 1 year with a zero balance, just in case you need a cash advance in the future!

Integrity

We believe in honest and upfront lending. That's why when you have questions, our Customer Service team is there to help. If approved for a loan, we clearly outline all terms and rates associated with your loan so you know exactly what you're agreeing to before you ever sign your documents.

Accessibility

We offer all our services online like cash advance requests, account access, loan payments, and more. 24 hours a day, 7 days a week. And our Customer Service department is open 7 days a week for any questions that might pop up.

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Lenders with Heart

We pride ourselves on serving our Customers for the lifetime of their loan, including the different life changes experienced throughout this time. We understand that life throws curve balls and unexpected circumstances at us every day, which can leave us feeling pretty uneasy about large financial commitments like a loan. We wanted a way to be able to provide for our Customers in a way many other lenders aren't, and that's why we offer a Loan Protection Plan. With Loan Protection you know your loan payments will be covered, even when abrupt changes and hurdles pop up. Optional Loan Protection helps you insure your loan so you can ensure that you and your family are covered in case of emergencies like unemployment, accidents, critical illnesses or loss of life.

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How could you use your
personal loan with LendDirect?

Read about the different ways you could utilize a
personal loan with LendDirect.

Read Our Blog

Want to learn more about our personal lines of credit and
how they work?

Read Our FAQs
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© 2016 - 2025 All Rights Reserved. LendDirect

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  • Licence: BC Licence #83734

    Lending decision typically provided within minutes, subject to receipt of complete information from the applicant, and hours of operation. Funding times subject to bank system availability. A business day is typically Monday-Friday excluding national and provincial holidays.

    Line of Credit: Loan maximum of $10,000, based on a completed application, net pay, and other qualification requirements, and customer verification including a credit check. Payments are due on scheduled income deposits. APR/Annual Interest Rate: 34.99%.

    Secured Loan: Loan maximum of $25,000 with an APR of 34.99% based on a completed application, net pay, and other qualification requirements, and customer verification including a credit check. Security search and lien fees apply. Amount varies by province. Visit lenddirect.ca/lien-fees for details. Payments are due on scheduled income deposits.

    Interac e-Transfer®: As soon as 15-minute funding available only when using Interac e-Transfer®. Subject to bank processing and system limitations. Interac e-Transfer® can be used to transfer funds up to $10,000. Interac® and the Interac design are registered trademarks of Interac Inc.

    §Pre-Approval: Submitting for pre-approval is how you discover if you are eligible for a LendDirect loan and includes a soft credit check which will not impact your credit score. Pre-approval does not guarantee loan approval. Should you decide to accept a loan offer, then a hard inquiry will occur which may have an impact.

    Credit Reporting: LendDirect reports payment history to Equifax® Canada credit bureau so it can help build your credit history if used responsibly. Various factors can affect your credit, including but not limited to paying all your bills on time every month, avoiding the usage of the full amount of your available credit, and lowering your credit usage balance compared to available credit. Missed payments, or other defaults on your account may be reflected in your credit report and may impact your ability to build credit. LendDirect offers personal loans and is not a credit repair service.

    †† Advances: Advances only available for a Line of Credit in good standing up to approved credit limit; $50 minimum advance requirement; restrictions may apply.

    Loan Protection Plan: Must be 18 years of age or older, and under 70 years of age to be eligible. The optional Loan Protection Plan is a Credit Group Insurance Plan Underwritten by Canadian Premier Life Insurance Company and Canadian Premier General Insurance Company.

    Mobile App: Google Play is a trademark of Google LLC. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Data rates may apply.