You Could Qualify for $3500

Based on the information you provided, you could be approved for an average credit limit of $3500*. Complete an online application to see if you qualify.

Get Started Now

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.

Get Started Now

Ready to see if you qualify for $3500

Apply Now
LendDirect White Logo

© 2016 - 2025 All Rights Reserved. LendDirect

  • Communications Policy
  • Privacy Policy
  • Terms of Use
  • 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.