LendDirect offers Lines of Credit and Secured Loans.

For short-term Payday Loans, visit our friends at CashMoney.ca.

Talbot St & 1st Ave in St. Thomas, ON

LendDirect is ready to help when you need money! We offer electronically funded Lines of Credit and Secured Loans to help bridge a financial gap. Quick and easy loan application with loan amounts up to $25,000. Simply apply for money online, by phone, or at a branch. Visit us today! Find us at Talbot St and 1st Ave, across the street from Freshco. Our branch is in the same plaza as Popeye's and McDonald's, and just minutes away from Elgin Mall.

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Contact Us

Address

965 Talbot Street Unit D

St. Thomas, ON N5P 1E8

Phone: (519) 631-8177 Fax: (519) 631-1690

Hours

Sunday

Closed

Monday

9am - 7pm

Tuesday

9am - 7pm

Wednesday

9am - 7pm

Thursday

9am - 7pm

Friday

9am - 7pm

Saturday

9am - 5pm
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Personal Loans from LendDirect

Our Services

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 - Line of Credit

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§

Get Directions

Learn More - Secured Loan

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 - Line of Credit

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§

Get Directions

Learn More - Secured Loan
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Why LendDirect?

Because we are here to support you through your financial journey.

Our Loyalty

The LendDirect Line of Credit and Secured Loan products can help with your lending needs. Whether you have a surprise expense, a special purchase, or are short on funds, we’re your choice for personal loans.

Customer Service

Every Customer experience is important. Our representatives are professional, friendly, and well-educated so they can find the best solution for you.

Start Today!

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Already a Customer? Leave Us a Review!

Excellent

Based on 2383 reviews

It was super easy and fast

It was super easy and fast. I will highly recommend. Service was impeccable. The staff was very friendly and helpful.

Edward Dobson, 1 day ago

Easy to apply

Easy to apply. Payments are also reasonable.

Jan, 2 days ago

It was easy and hassle free

It was easy and hassle free, and I was able to do it on my coffee break at work with no issues, and I got more then I was expecting and the payments are nice and low and manageable.

Aaron Young, 3 days ago

Hassle-free

Hassle-free. Terms easy and manageable.

EAM, 4 days ago

Excellent, Experience !

My personal experience has been fantastic.My first interaction with Elizabeth, was professional , easy going, friendly service. I would definitely recommend 188 Main street location. Thank you for a great experience.

Howard s c Elliott, 5 days ago

always great prompt service

always great prompt service

Bernadine Haddad-Erickson, 7 days ago

Good…Service!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Good Service!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Paul R, 9 days ago

Outstanding, above my expectations

My experience with LendDirect has been very pleasant, both when things have gone, not as planned and when I just needed clarification. Every situation that's ever come up. The customer service has been top-notch. When it comes to talking to people at the call center, they are helpful, knowledgeable, and easy to work with. 10 out of 10 I would definitely recommend this company for loans to friends and family.

M M, 11 days ago

It was super easy and fast

It was super easy and fast. I will highly recommend. Service was impeccable. The staff was fantastic and very knowledgeable

Beverley Scovoranski, 11 days ago

I had a really great experience…

I had a really great experience applying for a loan, thanks to Akira. She was very approachable, kind, and patient throughout the whole process. She clearly explained all the terms and made sure I understood everything, which I really appreciated. Akira truly knows what she’s doing, and she went above and beyond to help me get approved. I’m very thankful for her support and excellent service. Highly recommend!

Marilou Buenaventura, 12 days ago

Everything going well!

Everything going well!

Shaina Ox, 12 days ago

All of the staff are wonderful and…

All of the staff are wonderful and helpful, particularly Brittany! She is prompt and goes above and beyond!

Yvonne Brien, 13 days ago

Service was great, easy process and very informative

Staff was great, excellent service and lots of information, they made me feel safe and secure through out the entire process.

Carlos Graham, 13 days ago

Awesome service T a awesome service every easy to get…

T a awesome service every easy to get money when u need it also very low payment

jrhowse, 14 days ago

lend direct is amazing

lend direct is amazing! no complaints!

Angel Issa, 15 days ago

Love the quick access to $ when needed

Love the quick access to $ when the banks are closed and I need cash for cash purchases. The transaction was super smooth and efficient, Website is amazingly user friendly and I was able to complete my transaction hassle-free from home.

David Eavis, 15 days ago

i always get my buisness done with the…

i always get my buisness done with the people from lenddirect

Clay Kelly, 17 days ago

Very easy to deal with always fast…

Very easy to deal with always fast response to emails always willing to help

Tim S, 18 days ago

I love getting my loan online

I love getting my loan online, it’s fast and easy to do

Serenella Estrella, 18 days ago

Staff was knowledgeable and courteous

Staff was knowledgeable and courteous. Not pushy at all. Great experience

Christine Osborne, 19 days ago

Showing our 5 star reviews
LendDirect White Logo

© 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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