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POST /loan-estimate

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  <h2 class="form-heading nh-text-center nh-text-white nh-leading-normal nh-text-lg nh-font-normal nh-mb-4"> See how much you could qualify for<sup>*</sup> without impacting your credit! </h2>
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      <option value="saskatchewan">Saskatchewan</option>
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      <option value="Poor">Poor</option>
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  <p class="nh-leading-tight nh-text-gray-light m-0"><small>* This is not an application for credit. The Personal Loan Estimator is for illustrative purposes only to give you an idea of what you could qualify for. This is not an offer or guarantee of
      credit. If you choose to apply, an actual assessment of your credit history will be required.</small></p>
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Text Content

Log In
1-855-630-LEND
1-855-630-LEND Log In

LendDirect is there for you.
 * Available Loans
 * How it Works
 * Branches
 * FAQs
 * Apply Now
 * Security Centre


UNSECURED LOAN RATES AS LOW AS 19.99%*

COVID-19: If you are unable to make payment, please call us at 1-855-930-5363.
If you need to apply for a loan, make a payment or other loan maintenance, you
can continue to use the website or visit a branch. Branches are open Monday -
Friday 10am - 6pm and Saturday 10am - 5pm.

Unsecured loan rates as low as 19.99%
Rates as Low as 19.99%


SEE HOW MUCH YOU COULD QUALIFY FOR* WITHOUT IMPACTING YOUR CREDIT!

Province Province Alberta British Columbia Ontario Saskatchewan Total Monthly
Income Credit Rating Estimate Credit Rating Estimate Poor Fair Average Good Very
Good See My Estimate

* This is not an application for credit. The Personal Loan Estimator is for
illustrative purposes only to give you an idea of what you could qualify for.
This is not an offer or guarantee of credit. If you choose to apply, an actual
assessment of your credit history will be required.

LendDirect is there for you.

Loan Protection

We offer optional loan insurance to cover your payments in the event that you
are unable to.

15 Minute Funding

Opt to deposit your cash advance funds via Interac e-Transfer® and receive your
money in as little as 15 minutes!

No Reapplying Necessary

Receive no-fee cash advances up to your approved credit limit any time, as many
times as you need without ever having to reapply.

Call, Click or Come in

We've got options to be there for you! Apply online, visit a branch or call us
at 1-855-630-5363.


LINE OF CREDIT VS. INSTALLMENT LOAN

Typical payday loans mean high interest rates and a short time to use and repay
the funds. With so many personal loan options featuring lower interest rates,
how do you decide? To help put your loan options into perspective, we have
outlined two types of personal loans.

LendDirect Line of Credit

 * Lower Interest than Payday Loans

 * Affordable Payments

 * Access Credit as Long as You Need

 * Unlimited Cash Advances†



Typical Installment Loan

 * Lower Interest than Payday Loans

 * Affordable Payments

 * One-Time Access to Credit

 * Must Reapply to Get More Money

P.S. We think Line of Credit wins

Are you really willing to settle for limited flexibility when a line of credit
offers so much more? The answer is simple: you shouldn't. And with LendDirect,
you don't ever have to.

Apply Now


THE LENDDIRECT DIFFERENCE

LendDirect was founded on creating better Canada personal loan options. We saw a
lack of flexible loans in the market so we made a point to change that. Unlike
other personal loan options, a LendDirect line of credit works similarly to a
credit card. If approved, we provide you with a credit limit and you choose the
amount of your credit to use, when to use it and how long to use it for. Other
Canadian lenders only offer personal loans like installment loans that limit how
and when you receive your funds. Well Canada, say goodbye to mediocre and hello
to the new wave of lending because LendDirect is there for you. But don't just
take it from us – see what our Customers have to say:

Actual customer testimonials




THE ENDLESS POSSIBILITIES OF A LINE OF CREDIT

Our Canada personal loans make it easier to manage unexpected expenses like home
and auto repairs, cover bills when you fall short or cover major life purchases
such as paying off debt.

Find out what else a line of credit from LendDirect can be used for:

View User Stories


WHAT IS A LINE OF CREDIT?

Wondering what exactly a line of credit is? Well you’ve come to the right place.
We think a line of credit just happens to be the most flexible way to receive a
personal loan, but we could be a little biased.

Convenient and Flexible

A line of credit is a personal loan that works similarly to a credit card
without having to carry yet another pesky card in your wallet. If approved, we
provide you with a credit limit to borrow from. After signing your loan
documents, you are ready to access your funds.

Unlimited Cash Advances†

Request a cash advance either through your online account, at a LendDirect
branch or by speaking with a Financial Service Representative over the phone.
Once requested, you will receive your funds via direct deposit or through
Interac e-Transfer® in as little as 15 minutes.

No Reapplying Necessary

As you pay back your cash advance funds, that amount gets added back into your
accessible credit as soon as your payment clears. If you choose to pay off your
entire borrowed amount, we will keep your line of credit open with a zero
balance for one year, just in case you would like to take advantage of another
cash advance that won't require you to reapply.




THE LENDDIRECT LINE OF CREDIT PROCESS

 * 1 Apply Your Way
   
   Complete your application online or by visiting one of our branches.

 * 2 Check Yourself
   
   Submit documentation verifying your income to receive a final lending
   decision.

 * 3 Get Your Money
   
   If approved, receive your funds in as little as 15 minutes via Interac
   e-Transfer®.

 * 4 Access More
   
   Get additional cash advances anytime you need up to your approved credit
   limit.




READY TO
GET STARTED?

Apply Now
×

What's My Credit Rating?

Very Good
You have a history of making all your payments on time and keeping your overall
credit utilization low.
Good
You make most of your payments on time and keep your credit utilization low.
Average
You have been late on payments once or twice, but typically pay your bills on
time.
Fair
You have missed a few payments but you have no defaults and you have not
declared bankruptcy.
Poor
You have had multiple missed payments or defaults or you have declared
bankruptcy.

 * Contact Us
 * Communications Policy
 * Privacy Policy
 * Terms of Use

Loan Products

 * Personal Lines of Credit
 * How a Line of Credit Works
 * Line of Credit vs Payday Loans
 * Personal Loans
 * How Personal Loans Work
 * Online Loans
 * How Online Loans Work
 * Loan Protection
 * Toronto Lines of Credit

About LendDirect

 * About Us
 * Funding Times
 * Branches

Resources

 * FAQs
 * Security Centre
 * User Stories
 * Blog
 * Loan Protection Claim Forms
 * Facebook Twitter


© 2021 LendDirect. All Rights Reserved. 400 Carlingview Drive • Toronto, Ontario
M9W 5X9

Interest rates range from 19.99% 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. Generally, applicants who are most creditworthy qualify for the
lowest rates. All loans are open-ended with no minimum or maximum payback term.
15-minute funding available only when using Interac e-Transfer® from 9:00am ET
to 10:00pm ET Monday - Saturday; subject to system limitations. e-Transfers
submitted after 10:00pm ET will receive their transfer the next day (excluding
Sundays). Interac e-Transfer® can be used to transfer funds up to $10,000.
Interac® and the Interac design are registered trademarks of Interac Inc.

† Cash advances only available up to approved credit limit; some restrictions
may apply.

Loan Protection: Must be 18 years of age or older, and under 70 years of age to
be eligible. Policy sold and administered by Premium Services Group Inc.
Underwritten by Canadian Premier Life Insurance Company.