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Personal Loans on Your Terms

Take control of your finances with a Canada personal loan up to $15,000.

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No Need to Reapply

Don't fret about continuously impacting your credit – with a line of credit, you can take out unlimited cash advances, up to your approved limit.

Our Personal Loans Explained

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Flexible Lines of Credit

A line of credit works similar to a credit card. If approved, you are given a credit limit and make payments based on your principal balance and daily interest accrued. We are the sole provider of line of credit personal loans because we believe loans should work around your needs and not ours.

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Unlimited Cash Advances

If approved, you'll have unlimited, no-fee cash advances up to your approved credit limit. This means, by simply logging into your online account, you can have funds transferred straight to your bank account. Get your funds in as little as 15 minutes if deposited via Interac e-Transfer®.

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Continuous Loan Term

Never reapply and never worry about the loan term ending like a typical installment loan. With our line of credit loan, you are covered as long as you want. You can even keep a zero-balance on the loan for up to a year in case you find yourself in need of an additional cash advance for unexpected or planned large expenses.

Find Out More About Personal Loans
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Putting "Personal" Back in Personal Loans

We could give you benefits and throw figures at you all day but we aren't going to do that. We'd rather you hear about our services from people just like you, or as we like to call them, our Customers.

The LendDirect Line of Credit Process

  • 1Apply

    Fill out a Canada personal loan application either 100% online or by phone.

  • 2Verify Your Income

    Submit documentation verifying your income to receive a final lending decision.

  • 3Receive Your Funds

    If approved, have your money direct deposited via Interac e-Transfer® and you could get your funds in as little as 15 minutes.

  • 4Access More

    If you need additional money at any time, you can take out unlimited cash advances† up to your approved credit limit without ever having to reapply.

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Interest rates range from 29.99% to 46.93% Annual Interest Rate. 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.

Interac e-Transfer®: 15-minute funding available only when using Interac e-Transfer® (up to $10,000). Payments and funding via Interac e-Transfer subject to bank processing times, bank participation and system limitations, including daily send limits. Interac e-Transfer is a registered trade-mark and the Interac logo is a trade-mark of Interac Corp. Used under licence.

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.