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Online Loans from LendDirect

Get a flexible line of credit up to $10,000.

Once you're approved, go online any time and get the money you need - up to your approved credit limit.

Apply Now

The Online Loan Process

How LendDirect Online Loans Work in 5 Simple Steps

  • 1Apply

    Apply for credit completely online. Our application is simple, quick and secure.

  • 2Sign Your Loan Documents

    Sign your personal loan documents directly online to agree to the terms of your line of credit.

  • 3Verify Your Income

    Submit documentation verifying your income to receive a lending decision.

  • 4Get a Lending Decision

    After submitting your application and income verification, we will provide you with a lending decision.

  • 5Receive Your Funds

    If approved, have your loan funds direct deposited into your chequing account or select Interac e-Transfer® to get your funds in as little as 15 minutes.

Ready to get started?

Apply Now

Your Loan on Your Terms

LendDirect offers flexible personal loans online that were built with you in mind. If you're approved for a LendDirect loan, then you will receive a line of credit. At loan origination, take as much money as you need up to your approved credit limit. If you need more money at any time, you can take additional cash advances as long as you have available credit.

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Flexible Terms

Only pay for the time you use the money.

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Borrowing Options

Take additional cash advances without having to re-apply.

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Loan Protection

Optional protection for the unexpected.

Questions About Online Loans?

We're here to help!

Visit Our Help Section
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About LendDirect

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© 2025 LendDirect. All Rights Reserved.

The Annual Interest Rate is 34.99%. Subject to eligibility, credit check, underwriting and approval. Terms and conditions apply. Credit limit and interest rate are based on creditworthiness at time of application. Payments are due on scheduled income deposits. Generally, applicants who are most creditworthy qualify for the lowest rates. BC Licence #83734

Lending decisions and funding times subject to system limitations.

§Applying to view the value you are pre-approved for will only result in a soft credit check which will not affect your credit score. However, if you decide to accept a Line of Credit, then a hard inquiry will occur which may have an impact.

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.

† LendDirect reports Line of Credit 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. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

†† Cash advances only available up to approved credit limit; $25 minimum cash advance requirement; restrictions may apply.

Loan Protection: 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.