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