Attention Line of Credit Customers: Due to a potential Canada Post strike, your statement may be delayed. If you have any questions, please contact your local store or call Customer Service at 1-855-630-LEND.

Loan Funding Times

LendDirect offers personal lines of credit. We understand that when you apply for credit with LendDirect, your number one question may be "when will I receive my money?"

We always strive to get your money to you as quickly as possible, and offer a couple of funding options so you can choose how you would like to receive your money.

The Interac e-Transfer® Process

LendDirect wants you to get your funds quickly, which is why we offer Interac e-Transfer®. When using e-Transfer, we can get your money to you in as little as 2 hours after submitting your access code.

1. Choose Your
Funding Method

If approved for a line of credit,
choose "Interac e-Transfer®"
as your funding method.

2. Retrieve Your
Access Code

We will email you with a
unique access code.

3. Submit Your
Access Code

Submit your access code to
complete the Interac
e-Transfer® process.

4. Get Your
Money

Get your funds transferred to
your bank account as soon as
2 hours or less.

Interac e-Transfer® Funding Times

e-Transfers submitted from
9:00am to 9:00pm ET Monday - Friday
You should receive your transfer approximately within 2 hours
e-Transfers submitted after
9:00pm ET Monday - Friday
You should receive your transfer the next banking business day
e-Transfers submitted on
Saturday and Sunday
You should receive your transfer on the next banking business day at the first available transfer time

Loans completed on banking holidays and Sundays will be transferred on the next banking business day at the first available transfer time. Customers are automatically enrolled in e-Transfer® at the end of the loan process. Certain exclusions apply.

Direct Deposit Funding Times

LendDirect wants to give you options, which is why we also offer Direct Deposit. The time you receive your funds for Direct Deposit depends on when you get approved and when your bank post EFT (Electronic Funds Transfer) credits to your bank.

Online application is
approved before 5:00pm ET
Monday - Thursday
You should receive your funds
in 1-2 business days
Online application is approved between 5:00pm ET Thursday
and 5:00pm ET Sunday
You should receive your
funds on Monday or Tuesday
Online application is approved
after 5:00pm ET Sunday
You should receive your funds
on Tuesday or Wednesday

Banking business days do not include weekends or banking holidays. Loans completed on banking holidays and weekends will be transferred on the next banking business day at the first available transfer time. Customers are automatically enrolled in e-Transfer® at the end of the loan process. Certain exclusions apply.

Get a Personal Line of Credit

Get up to $15,000 and only pay for the time you use it.