Personal Loans on Your Terms

Take control of your finances with a Canada personal loan up to $10,000.

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Security on Your Side

We’ve got your back! Our optional Loan Protection covers your payments in the event that you are unable to.

Our Personal Loans Explained

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.

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®.

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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  • Licence: BC Licence #83734

    Lending decision typically provided within minutes, subject to receipt of complete information from the applicant, and hours of operation. Funding times subject to bank system availability. A business day is typically Monday-Friday excluding national and provincial holidays.

    Line of Credit: Loan maximum of $10,000, based on a completed application, net pay, and other qualification requirements, and customer verification including a credit check. Payments are due on scheduled income deposits. APR/Annual Interest Rate: 34.99%.

    Secured Loan: Loan maximum of $25,000 with an APR of 34.99% based on a completed application, net pay, and other qualification requirements, and customer verification including a credit check. Security search and lien fees apply. Amount varies by province. Visit lenddirect.ca/lien-fees for details. Payments are due on scheduled income deposits.

    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.

    §Pre-Approval: Submitting for pre-approval is how you discover if you are eligible for a LendDirect loan and includes a soft credit check which will not impact your credit score. Pre-approval does not guarantee loan approval. Should you decide to accept a loan offer, then a hard inquiry will occur which may have an impact.

    Credit Reporting: LendDirect reports 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. Missed payments, or other defaults on your account may be reflected in your credit report and may impact your ability to build credit. LendDirect offers personal loans and is not a credit repair service.

    †† Advances: Advances only available for a Line of Credit in good standing up to approved credit limit; $50 minimum advance requirement; restrictions may apply.

    Loan Protection Plan: 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.

    Mobile App: Google Play is a trademark of Google LLC. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Data rates may apply.