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
4.9
176 reviews
5 stars
157
4 stars
15
3 stars2
2 stars1
1 star1
- AJArsh JattAug 2, 20255.0Kanesha was very helpful and was really nice to deal with
- AMAshley MackinnonJul 12, 20255.0Julie was amazing
- BCBrandon CameronJul 4, 20255.0Thank you kenesha for helping me takeout a line of credit at the Portland St location!
- BCBrandon ColleyMar 23, 20245.0Kenesha helped me complete a line of credit application and explained all the great benefits.
- ABamanda buggieMar 10, 20235.0First payday loan, quick easy and excellent service from Jenna and Shelby! Thank you
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 with electronically funded amounts up to $25,000 to help bridge financial gaps.
How can I apply for a loan at LendDirect?
You can apply for a loan online, by phone, or at a branch location. Visit our loans page on the website to get started.
What do I need to apply for a Line of Credit?
To apply, you must be 18 or older, have a valid ID, an open bank account in your name, proof of recurring income, and be a Canadian resident.
How soon will I get a lending decision if I apply online?
During business hours, you may receive a pre-approval decision almost immediately. Final approval usually takes no longer than 48 hours, often the same day.
What vehicles are acceptable for a Secured Loan?
We accept standard passenger vehicles, including hatchbacks, sedans, off-road trucks, SUVs, pick-up trucks, or vans, usually 20 model years or newer and under 250,000 kms.
Can I receive my loan funds quickly?
Yes, you can receive your loan funds as quickly as 15 minutes via Interac e-Transfer®, or via direct deposit to your bank account.
What are LendDirect's business hours?
We are open Monday to Friday from 9:00 AM to 7:00 PM, Saturday from 9:00 AM to 5:00 PM, and closed on Sundays. On November 11, 2025, we will be open from 12:00 PM to 9:00 PM.
What nearby places can I visit before or after visiting LendDirect?
You can visit Tim Hortons for coffee or quick meals, Life Out Loud for counseling and mental health services, or The UPS Store for shipping and printing services nearby.
Are there financial and currency exchange services near LendDirect?
Yes, Western Union nearby provides financial services and currency exchange, which may be helpful before or after your visit to LendDirect.
How can nearby businesses assist me when visiting LendDirect?
Nearby services like Eye's on Portland optical offer eye care, Sunswirl Laser and Esthetics and The Head Shoppe provide beauty treatments, and U-Haul Neighborhood Dealer offers truck rentals – all convenient around your visit.