Line of Credit in Ontario up to $15,000

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

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Receive a pre-approval decision with no commitment!

Line of Credit Loans Near Me

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.

1. Apply

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.

Actual customer testimonials

A Personal Line of Credit for Personal Use

Debt Consolidation

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.

Home Improvements

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.

Large Expenses

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

The very first step in the application process is creating your online account. At this point, you are not committed to a loan, so there’s nothing to worry about. It simply allows you to come back and pick up your application where you left off.

2 Provide Personal Information

Next, we will ask you for some personal information such as your name, address, and phone number. This helps us verify your identity (you’re not a robot, right? 😉)

3 Enter Income Information

Providing your income information will help us ensure that you receive a personal line of credit that fits your personal goals. We understand that you’re in need of money, but we also want to make sure that you can afford what you’re borrowing. We don’t want to bust your budget!

4 Sign Loan Documents

As soon as your loan application is complete, we will let you know if you’re pre-approved for a line of credit. If you are pre-approved, review the documents for your loan and sign them to keep the process moving.

5 Verify Your Income

Making sure that your loan is affordable is important to us. Verifying your income will help us determine a loan amount that is right for you.

6 That’s It!

Once you have verified your income, a final lending decision will be provided to you in as little as 30 minutes! If you’re approved, we’ll let you know what your line of credit limit is. 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

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I’m ready; how can I get started?

From St. Catharines to Guelph and everywhere in between, we make it simple to apply for a line of credit online. We are also happy to let you know that we have branches located in Ontario. No matter how you choose to apply, 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 Ontario 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.

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

Read Our FAQs