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
4.7
148 reviews
5 stars
125
4 stars
13
3 stars2
2 stars
3
1 star
5
- NGnelson gregoireNov 5, 20255.0Khushbeen was very clear in presenting the loan procedure with me. I felt comfortable in knowing the process of this firm.
- DJduane johnsonJul 9, 20255.0Very helpful and was friendly new what she was talking about thank you
- RMRavenous MotelsSep 17, 20245.0Emma was the best helped me with my disability since i have F.A.S.D she was quick with the information to help me out
- AOAustin Vato (Oz)May 23, 20235.0Had a great cash advance here thx to Khushbeen, saved me quite abit on my loan!! Highly recommend đź‘Ś
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 electronically funded loans up to $25,000, including Line of Credit and Secured Loans to help bridge financial gaps.
How can I apply for a loan with LendDirect?
You can apply for a loan online, by phone, or in person at a branch. Visit the loans page on the website to check province service availability.
What do I need to apply for a Line of Credit?
You need to be at least 18 years old, provide valid ID, have an open bank account in your name, proof of recurring income, and be a Canadian resident.
How quickly will I receive a lending decision if I apply online?
During business hours, you may receive a pre-approval decision almost immediately. Final decisions requiring verification are typically made within 48 hours, often the same day.
What vehicles qualify for a Secured Loan at LendDirect?
Standard passenger vehicles such as hatchbacks, sedans, SUVs, pick-up trucks, off-road trucks, or vans are accepted for Secured Loans.
Can LendDirect help if I have bad credit?
Yes, LendDirect considers various factors beyond credit score and can assist customers with less than perfect credit.
Where is LendDirect located and what are the office hours?
LendDirect is located at 3-2810 48 Avenue, Suite A, Vernon, BC V1T 3R4, Canada, and is open Monday to Friday from 9:00 AM to 6:00 PM.
Are there any nearby places of interest close to LendDirect in Vernon?
Nearby places include Cash Money financial services, Khronic Kolors Hair Studio for beauty needs, and Vernon Counselling for mental health support, which customers might visit before or after their loan appointments.
How can nearby businesses like Cash Money assist customers visiting LendDirect?
Cash Money offers installment loans and financial services, complementing LendDirect's offerings. Customers can explore additional financial options or services there.
What nearby amenities are available for customers visiting LendDirect who need personal care services?
Customers can visit nearby beauty and spa locations such as Khronic Kolors Hair Studio, Angela Nails & Spa, and Harlow Beauty Boutique for convenience during their visit to LendDirect.