Stop Settling for Inflexible Installment Loans

Apply for a flexible personal loan made for you

Typical installment loans limit your access to credit. A line of credit from LendDirect is a flexible personal loan that provides you with ongoing access to credit with unlimited, no-fee cash advances. Apply today to access up to $15,000.

It's Simple

1. Start Your Application

Apply online or by visiting one of our branches with no obligation - you have 30 days to decide if we're a match.

2. Submit Income Information

Send us income verification and receive a lending decision quickly – we know you have better things to do than wait on us.

3. Get Your Money

If approved, receive your money via Interac e-Transfer® in as little as 15 minutes.

Use Your Line of Credit Any Way You Choose

Personal lines of credit can cover many different expenses! Yes, even for times when you "accidentally" spill pasta sauce all over your husband's hand-me-down sofa and need to replace it with a new living room set – your secret is safe with us. Whether you need to pay for a large purchase, cover unexpected bills or consolidate your debt, a LendDirect personal line of credit may be able to help you achieve your goal.

Pay those Bills, Bills, Bills

It's more than just a song, it's the way of life. Between camps, activities and travel, it can be hard to keep up with the tab. Take care of yourself and your family by covering anything that comes your way, as it keeps coming at you.

Consolidate Credit Card Debt

Are credit card bills piling up? Having trouble getting ahead? A personal line of credit can help you consolidate your debt so you only have one manageable payment and interest rate to worry about.

Cover Large Expenses

Refrigerator break down and need replaced? Need to repair the transmission in your car? No matter what expense you need to take care of, a LendDirect loan may be able to help you finance it.

A Line of Credit with a Payment Plan that Works for You

No matter how you choose to use your line of credit, you can count on having a flexible payment plan that works around your needs. With fixed-rate daily interest and the option to pay off the loan early to save on interest, what's not to love? Oh – and did we mention the unlimited, no-fee cash advances up to your approved credit limit? Yep, that's on the benefits list too.

Flexible Payment Options

Choose to pay the minimum amount due on each scheduled due date, or pay an additional amount to pay off your line of credit loan and save on interest – the choice is always yours.

Fixed Rates

At LendDirect, we don’t believe in hidden fees or surprise rate changes. That’s why with our unique line of credit loan, your interest rate will never go up.

Cash Advance Benefits

Only apply once and access your money at any time – up to your credit limit. As long as you have available credit, you can get as many no-fee cash advances as you need, whenever you need them.

Your Credit Score and a Line of Credit:
The Next Great Love Story

Are you worried about what effects a personal loan might have on your credit score? We don't blame you. With a line of credit you can breathe a sigh of relief knowing that you can take out the cash advances you need without having to reapply. A line of credit allows you to take out unlimited, no fee cash advances up to your approved credit limit, without the hassle of applying for more funds and hitting your credit. Pretty cool, right? We seem to think so!