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You Could Qualify for $3000

Based on the information you provided, you could be approved for an average credit limit of $3000*. Complete an online application to see if you qualify.

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How Personal Lines of Credit Work

  • 1Complete your application

    You can complete your loan application 100% online. When applying, you will need to provide personal, income & bank account information.

  • 2Verify your income

    Submit documentation verifying your income. This step is required to receive a final lending decision.

  • 3Receive a lending decision

    After submitting your income verification, we will provide you with a lending decision.

  • 4Receive your money

    If approved, have your money direct deposited into your chequing account, or select to receive funds via Interac e-Transfer® to get your money in as little as 15 minutes

  • 5Make payments

    Make regular payments over time, with the option to pay more than the minimum amount due to save on interest paid.

  • 6Withdraw funds

    As you pay down your balance, you can get additional cash advances up to your approved credit limit with no fees.

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Ready to see if you qualify for $3000

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The Annual Interest Rate is 34.99%. Subject to eligibility, credit check, underwriting and approval. Terms and conditions apply. Credit limit and interest rate are based on creditworthiness at time of application. Payments are due on scheduled income deposits. Generally, applicants who are most creditworthy qualify for the lowest rates. BC Licence #83734

Lending decisions and funding times subject to system limitations.

§Applying to view the value you are pre-approved for will only result in a soft credit check which will not affect your credit score. However, if you decide to accept a Line of Credit, then a hard inquiry will occur which may have an impact.

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.

† LendDirect reports Line of Credit 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. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

†† Cash advances only available up to approved credit limit; $25 minimum cash advance requirement; restrictions may apply.

Loan Protection: 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.