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
5.0
6 reviews
5 stars
6
4 stars0
3 stars0
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1 star0
- JRJordan RaynesSep 2, 20255.0I giving this company a 5 star review because I was severed by Connor super informative, just comes off as a great person will definitely continue using them as long as Connor is their employee
- SKSarah KingJul 15, 20255.0I was assisted by Conner - very informative and patient. Secured loan was fast and simple. Very professional and up front. I recommend for consolidating.
- DDDale DixonJun 30, 20255.0What a wonderful experience! Very professional, excellent communication, and Connor's disposition was amazing!
- LDLisa DeanJun 25, 20255.0When I went in the gentleman that assisted me was very nice.Very professional, very good at what he did.He was fast and I enjoyed my experience at cash money.You will enjoy yours too
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.
How can I apply for a loan at LendDirect?
You can apply for a loan online, by phone, or at a branch of LendDirect.
What are the requirements to apply for a Line of Credit with LendDirect?
You must be at least 18 years old, have a valid ID, an open bank account in your name, proof of recurring income, and be a Canadian resident.
What are the business hours of LendDirect in Saint John, NB?
LendDirect is open Monday to Friday from 9:00 AM to 6:00 PM, and is closed on weekends.
How quickly can I expect a lending decision if I apply online?
During business hours, you may receive a pre-approval decision almost immediately, with final approval typically within 48 hours, often the same day.
Does LendDirect accept vehicles over 10 years old for Secured Loans?
Yes, Secured Loans are available for vehicles up to 20 model years old and with 250,000 km or less.
Can I make loan payments in person at a LendDirect branch?
Yes, you can make payments at a branch using your debit card, but cash payments are not accepted. Online options like Interac e-Transfer and AutoPay are also available.
Is there wheelchair accessible entrance available at LendDirect?
Yes, LendDirect has a wheelchair accessible entrance.
What nearby real estate services can I visit near LendDirect in Saint John?
Nearby real estate services include Coldwell Banker, Saint John Real Estate Board, and Linda Donovan Century 21 River-Valley.
Are there any nearby healthcare providers close to LendDirect?
Yes, nearby healthcare providers include Dr. Demmings (optometrist), Dr Norm Skjonsberg (chiropractor), All Smiles Orthodontic Specialists, and Dalling Massage Therapy.
Which nearby food and hotel options are available if I visit LendDirect?
Nearby dining and lodging options include Tim Hortons coffee shop and Canadas Best Value Inn St. John and Howard Johnson Fort Howe Plaza and Convention Center hotels.