Business Details
About
Loan AgencyCuro Management
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
157 reviews
5 stars
153
4 stars
3
3 stars1
2 stars0
1 star0
- DMDarren MadillDec 31, 20255.0I needed this so badly I seriously was so sad and feeling bad before today and lenddirect was my positive source of life right now. I want my girlfriend so much
- LELeah EuropaNov 28, 20255.0John the guy that help me was very patient and attentive to my inquiry and the best thing my loan was deposited rightaway .... I will recomend
- ETeric tettehNov 28, 20255.0Brittany was a professional. She was so helpful and resourceful. She made my day. LENDDIRECT, THEY ARE SUPER 👌
- KKKarenNov 24, 20255.0Lend Direct, Nanaimo Brittany Kerfoot, Financial Services Representatives Brittany was awesome. Knew all the information given to me & explained everything I didn’t understand. She’s a valuable & knowledgeable employee & Lend Direct is fortunate to have her on board.
- JAjames adeotiOct 24, 20255.0Amazing experience at LendDirect Terminal Avenue, Nanaimo! Huge shout-out to Brittany, so calm, friendly, helpful, and polite. She even gave my son toy cars, which he loved! Everything was explained clearly. Came back a few days later and Mike was fantastic too. Every staff member here is professional and supportive. Getting my line of credit was smooth and stress-free. Highly recommend!
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 Lines of Credit and Secured Loans up to $25,000 to help bridge financial gaps.
How can I apply for a loan at LendDirect?
You can apply online, by phone, or at a LendDirect branch.
What are the requirements 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 if I apply online?
You may receive a pre-approval decision almost immediately during business hours; final decisions typically come within 48 hours, often the same day.
Can I get a Secured Loan with a vehicle as collateral?
Yes, standard passenger vehicles such as hatchbacks, sedans, SUVs, trucks, and vans up to 20 model years old and 250,000 kms or less are accepted.
Does LendDirect accept loan payments in their branches?
Yes, you can make payments online or at a branch using your debit card or Interac e-Transfer. Cash payments are not accepted.
Is it possible to have both a Secured Loan and a Line of Credit simultaneously?
Currently, customers are not eligible to have both a Secured Loan and a Line of Credit at the same time.
What are the opening hours of LendDirect in St. John's?
LendDirect is open Monday to Friday from 9:00 AM to 7:00 PM, and Saturdays from 9:00 AM to 5:00 PM. It is closed on Sundays and on holidays like November 11th.
Are there any nearby places where I can grab a coffee before or after visiting LendDirect?
Yes, Oceanic and Tim Hortons are nearby coffee shops where you can enjoy a beverage before or after your visit.
If I bring my pet with me to LendDirect, are there pet-related services nearby?
Yes, nearby pet services include Courtney's Pet Grooming and Pet Zone, which offer grooming and pet store services.
Where can I find financial services or banking near LendDirect?
Scotiabank is a nearby bank and financial service location you can visit in the area.