Business Details
About
Loan Agency
LendDirect is happy to help with your Line of Credit and Secured Loan needs. We offer electronically funded loans up to $25,000 to help bridge a financial gap. Quick and easy loan application for loans in Canada. Simply apply for money online, by phone, or at a branch. Visit us today!
Details
- Requires appointmentNot available
- Online appointmentsNot available
- Onsite servicesAvailable
- Wheelchair accessible entranceAvailable
Location
Hours
Reviews
4.8
213 reviews
5 stars
196
4 stars
10
3 stars2
2 stars0
1 star
5
- AVAllen VenturaSep 4, 20255.0Great service clear and explained things well even with thier system having issues
- HSHasandeep SinghAug 29, 20255.0very nice service
- TGTyler GlaeserAug 29, 20255.0Ivan was very detailed oriented and was super helpful during my first time here , highly recommend talking to him when you want to use this service
- DCDana CJul 19, 20255.0Ivan, Vivian, Gemma and Jose in the 3rd, Richmond location always go beyond to be supper helpful .. thank you , Dana ☺️
- MCMichelle ChangJun 15, 20255.0We were having a hard time finding a place to cash our money and called several locations, but most were rude and unhelpful. Thankfully, we found this location — and what a difference! The staff here were incredibly friendly, patient, and professional. They genuinely cared about helping us and went out of their way to make sure we were taken care of. It’s rare to find such outstanding customer service these days. Highly recommended!
Frequently Asked Questions About LendDirect
What is a Line of Credit?
A Line of Credit is a personal loan that can be used for ongoing personal expenses. It gives you access to your money when you need it. Once you’re approved, you will receive your loan credit limit. You have the flexibility to borrow any amount at any time, up to your approved credit limit. No need to reapply to access funds – if you have available credit, you can request additional advances.
What do I need to apply for a Line of Credit?
To apply with LendDirect, you will need to be at least 18 years old and have the following:
A valid ID
An open bank account in your name
Proof of recurring income
Be a Canadian resident
How can I apply?
You can apply online, over the phone or at a branch. To see if LendDirect services your province, visit our loans page.
If I apply online, how long will it take to get a lending decision?
During business hours, applicants may receive a pre-approval decision almost immediately. Should final approval require verification, you will be notified immediately. Once we received your files, you should have your final lending decision shortly, no later than 48 hours, often the same day.
What is a Line of Credit advance?
Simply put, an advance is a convenient Line of Credit feature that allows you to withdraw funds from your personal Line of Credit when you need them. LendDirect offers unlimited advances up to your credit limit, all with no advance fees. You can access advances online, over the phone, or at a branch, if you have available credit.
What vehicles are acceptable to obtain a Secured Loan?
We accept standard passenger vehicles such as hatchback cars, sedans, off-road trucks, SUVs, pick-up trucks, or vans.
How do I get my funds?
You can direct deposit your money to your bank account (funds availability varies by bank) or you could receive your loan in as little as 15 minutes when you choose Interac e-Transfer®.
Can I get a car collateral loan if I have a less than perfect credit score?
We're happy to help Customers with various credit scores. A credit score is just one of many factors we consider when processing loan applications.
Can I get a car equity loan for a vehicle that is over 10 years old?
Yes! Our Secured Loan product can be offered for vehicles of 20 model years or newer and limited to 250,000 kms or less.
Can I get a loan on a financed car?
Please contact a LendDirect branch near you so we can help with your specific situation.
Can a Secured Loan help me build credit?
There are multiple factors that affect your credit score. We report Secured Loan payment history to Equifax® Canada credit reporting agency so it can help build your credit if used responsibly. One way to help build credit† is by making your payments on time.
Is a Secured Loan a good idea?
It can be a good option when you need more funds than an unsecured loan may offer.
Can I have a Secured Loan and a Line of Credit at the same time?
Currently, Customers are not eligible to have these loans at the same time.
Can I make payments in a branch?
You have options, online and at a branch! LendDirect does not accept cash payments, but you can make a payment in a snap with Interac e-Transfer or set up AutoPay in your online account, or pay at a branch with your debit card.
What types of loans does LendDirect offer?
LendDirect offers Line of Credit and Secured Loans electronically funded up to $25,000 to help bridge financial gaps.
How can I apply for a loan with LendDirect?
You can apply online, over the phone, or at a branch. Visit their loans page for provincial service details.
What do I need to apply for a Line of Credit?
Applicants must be at least 18 years old, have a valid ID, an open bank account in their name, proof of recurring income, and be a Canadian resident.
How quickly can I get a lending decision after applying online?
During business hours, pre-approval decisions are almost immediate, with final approval within 48 hours, often the same day.
Can I access funds from my Line of Credit anytime?
Yes, you can withdraw advances anytime up to your credit limit online, by phone, or at a branch, with no advance fees.
What vehicles qualify for a Secured Loan?
Standard passenger vehicles such as hatchbacks, sedans, off-road trucks, SUVs, pick-up trucks, and vans are acceptable.
What are LendDirect's business hours?
Monday to Friday from 9:00 AM to 7:00 PM, Saturday from 9:00 AM to 5:00 PM, and closed on Sundays and November 11, 2025.
How can I find LendDirect's branch location in Richmond, BC?
The branch is located at 100 - 6061 No. 3 Rd, Richmond, BC, postal code V6Y 2B2.
What nearby places can I visit after, or while visiting LendDirect?
Nearby you can visit Visavis Hair Design for beauty services, Vancouver Coastal Health Authority for health and pharmacy needs, or stop by IHOP for breakfast or brunch.
How can nearby financial service providers complement my visit to LendDirect?
Nearby financial advisors like New Diamond Financial Group and accountants such as BCSUN & Associates can provide additional financial planning and insurance services.
Is there convenient currency exchange near LendDirect?
Yes, Hig Currency Exchange is close by for your currency exchange and brokerage needs.