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 $10,000.

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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.

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

Whichever way you choose to use your Line of Credit, you can count on our flexible payment plan to work around your needs. You have the option to pay off the loan early to save on interest, so what's not to love? And, did we mention the unlimited, no-fee cash advances†† up to your approved credit limit? Yep, that's on the benefits list, too.

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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.

Rates & Terms

LendDirect provides personalized rates and terms, plus affordable payments.

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.

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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.