Line of Credit in Alberta up to $15,000

LendDirect is there for you when banks aren’t an option.

Get a pre-approval decision with no commitment!

Get Funds Faster

With Interac e-Transfer®, receive your money in as little as 2 hours - on your original amount & cash advances.

Protect Your Finances

Optional Loan Protection makes sure your payments are still made in the event of the unexpected.

No Cash Advance Fees

Withdraw as many cash advances as you need with no fees. Just pay interest on the amount you choose to withdraw.

How does this line of credit thing work, anyway?

We’re so glad you asked! We think you’re really going to like the flexibility that a LendDirect personal line of credit provides. Who doesn’t like to be in control?

1. Apply Online

Fill out an online loan application within minutes. It’s a pretty easy form to fill out as long as you have the necessary information handy. You will need a valid ID, income and banking information.

2. Get a Credit Limit

If approved, we’ll provide you with a credit limit. Just like with a credit card, you can use as much or as little of your credit as you need.

3. Make Payments

While you have a balance on your line of credit, payments will be due around your pay cycle. We recommend that you make extra payments if you can (this will save you money on interest paid).

4. Get More Money

As the need for more money arises, you can withdraw money from your credit limit. It’s your credit limit so you can do this as often as you need, as long as you have available credit. And as you make payments, you can access more!

To learn more, visit How a Line of Credit Works

Actual customer testimonials

A Personal Line of Credit for Personal Use

Consolidate Debt

Old debts piling up? No matter where your debt came from, a personal line of credit could help you consolidate your debt.

Improve Your Home

Whether you need to replace an appliance, want to splurge for that granite, or are doing a full remodel, a personal line of credit allows you to borrow what you need, when you need it.

Cover that Large Expense

Whether you need to replace your transmission, or you’re looking to pop the big question, a line of credit could help you out. The large purchase is up to you, the money is up to us.

Our Online Loan Application Process

1 Create Your Account

The first step in our online line of credit application is to create your account. Don’t worry, this doesn’t commit you to anything. It simply allows you to come back and pick up right where you left off.

2 Provide Personal Information

The second step in our online application is to provide personal information such as your name, address, and phone number. This helps us verify your identity (and to make sure you’re not a robot ).

3 Enter Income Information

We understand that you need money, and we want to make sure that we help you get a loan that you can afford. The last thing you need are loan payments that don’t fit within your budget.

4 Sign Loan Documents

We will let you know if you’re pre-approved for a line of credit right away! If you are pre-approved, review the documents for your loan, and sign them to move forward with the application process.

5 Verify Your Income

As we mentioned above, we want to make sure that your loan is affordable. Verify your income to help us determine a loan amount that is right for you.

6 That’s It!

We will get back with you – typically within a few business hours, but as fast as 30 minutes – with a final lending decision. If you’re approved, we’ll let you know what your line of credit limit is (you can borrow as much or as little as you need, up to your credit limit). Then get your money in as little as 2 hours with Interac e-Transfer®!

Take Control of Your Finances

Apply for a Personal Line of Credit up to $15,000

What do I need to start my online application?

From Edmonton to Calgary and everywhere in between, we make it simple to apply for a line of credit online. Here’s a list of what you need to get started. Remember, starting your application doesn’t commit you to anything – the choice is yours.

  • Contact information
  • Valid ID showing you’re an Alberta resident 18 years of age or older
  • An open chequing account in your name
  • Proof of recurring income

We Have Your Back

Our Customer Support line is available to you 7 days a week. Questions? Just call and ask!

Security is Priority

Our online application is encrypted for security. Feel safe knowing your information is safe.

Quick Response

We all get anxious waiting, and we don’t want you to feel anxious! Get a pre-approval decision instantly.

Reliable Options

When the bank says no, LendDirect could offer a secure, simple solution.

Looking for answers to questions about LendDirect personal lines of credit?