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Quick, Convenient and Flexible

LendDirect has proudly offered safe and secure personal loans in Canada since 2016. Constantly evolving, we've embraced change to ensure our Customers get the best loans and service we can provide.

Personalized for

Your Needs

LendDirect personal loans are just that, personal. You can use your cash for whatever you need.

Same Day

Funding

Need cash today? If you're approved you could get your funds in as little as 15 minutes via Interac e-Transfer®.

Safe and

Secure

Keeping your information safe is our priority. Our online loan application is encrypted for your safety and security.

Personalized for

Your Needs

LendDirect personal loans are just that, personal. You can use your cash for whatever you need.

Same Day

Funding

Need cash today? If you're approved you could get your funds in as little as 15 minutes via Interac e-Transfer®.

Safe and

Secure

Keeping your information safe is our priority. Our online loan application is encrypted for your safety and security.

Line of Credit

Online, By Phone, At a Branch

Up to $10,000

Borrow what you need, pay only for what you use

Apply once and access available credit anytime, anywhere

Get pre-approved with no impact to your credit score§

Get Pre-Approved

Learn More

Secured Loan

At a Branch

Up to $25,000

Secure your loan with your vehicle

May qualify for more than a Line of Credit

Help build your credit†

Get pre-approved in a branch with no impact to your credit score§

Find a Branch

Learn More

Line of Credit

Online, By Phone, At a Branch

Up to $10,000

Borrow what you need, pay only for what you use

Apply once and access available credit anytime, anywhere

Get pre-approved with no impact to your credit score§

Get Pre-Approved

Learn More

Secured Loan

At a Branch

Up to $25,000

Secure your loan with your vehicle

May qualify for more than a Line of Credit

Help build your credit†

Get pre-approved in a branch with no impact to your credit score§

Find a Branch

Learn More

How It Works

1
Finish your application
2
Receive a final lending decision
3
Once approved, select your loan amount
4
Sign your loan documents
5
Receive funds in as little as 15 minutes
6
Manage your account online or in the app
1
Finish your application
2
Receive a final lending decision
3
Once approved, select your loan amount
4
Sign your loan documents
5
Receive funds in as little as 15 minutes
6
Manage your account online or in the app

Find Out Your Offer from LendDirect

Finish My Application

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© 2016 - 2026 All Rights Reserved. LendDirect

Licence: BC Licence #83734
NL License #25-24-LE070-1, License Expiry Date: December 31 2026

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.

+Fully funded online only loans require acceptance of all related terms and conditions by the individual consumer.

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. APR ranging from 24.99%, 29.99% or 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 Group Policy underwritten by Canadian Premier Life Insurance Company and Canadian Premier General Insurance Company, operating under the brand name Securian Canada. See Summary of Coverage and Certificate of Insurance for full coverage details including benefits and exclusions.

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.

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