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.
Tell me more about this line of credit
Just like with a credit card, a personal line of credit gives you the freedom to use your funds as you need them, when you need them. You’re in control.
Fill out an application either online or at an Ontario LendDirect branch. 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 give you a credit limit. You have the freedom to borrow as much or as little as you need, up to your credit limit. And the unused balance is available to you when you need it!
3. Make Payments
Payments are conveniently based 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
We all know the need for money can come up at any time. When this happens, just withdraw money from your credit limit. There are no limits to how often you can withdraw as long as you have available credit.
A Personal Line of Credit for Personal Use
We know that old debts and new bills can pile up. Use a LendDirect personal line of credit to consolidate your debt, and only worry about 1 payment.
Your home is an important part of your life. A personal line of credit allows you to change your home now and pay for it over time. Borrow what you need, when you need it.
Whether you need to make a down payment on a new car, or you need a new washing machine, a line of credit could help you out. The purchase is up to you, the money is up to us.
Our Online Loan Application Process
1 Create Your Account
2 Provide Personal Information
3 Enter Income Information
4 Sign Loan Documents
5 Verify Your Income
6 That’s It!
Take Control of Your Finances
Apply for a Personal Line of Credit up to $15,000
I’m ready; how can I get started?
Valid ID showing you’re an Ontario resident 18 years of age or older
An open chequing account in your name
Proof of recurring income