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
4.5
110 reviews
5 stars
89
4 stars
11
3 stars0
2 stars1
1 star
9
- LMlynn merlinSep 17, 20255.0The staff at Robie Street in halifax were all very helpful and kind and made the loan process very easy. They are quick and efficient.
- PPPerry PSSep 16, 20255.0Appreciate the guidance and professionalism of Trent and Christina.
- FOFausat OseniSep 7, 20255.0Shout out to Christina. Super helpful and provided all the right information. Definitely recommend this location.
- DHDaniela HertzJun 3, 20255.0Malcom the Assistant Branch Manager was nice and helpful.
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 loan products 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 with LendDirect?
You can apply online, by phone, or at a branch in Canada.
What do I need to apply for a Line of Credit at LendDirect?
You must be at least 18 years old, provide a valid ID, have an open bank account in your name, proof of recurring income, and be a Canadian resident.
How long does it take to get a lending decision after applying online?
During business hours, you may get a pre-approval decision almost immediately; final approval usually takes less than 48 hours, often the same day.
What vehicles are accepted for Secured Loans at LendDirect?
Standard passenger vehicles such as hatchbacks, sedans, off-road trucks, SUVs, pickup trucks, or vans are accepted.
Does LendDirect help customers with less than perfect credit scores?
Yes, LendDirect considers various factors beyond credit score when processing loan applications.
Are customers allowed to have both a Secured Loan and a Line of Credit at the same time?
No, customers cannot have both loan types simultaneously at LendDirect.
Can I make loan payments at a LendDirect branch?
Yes, you can make payments online or at a branch using your debit card. Cash payments are not accepted, but Interac e-Transfer and AutoPay are available.
What are LendDirect’s main business hours?
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.
Which nearby places can I visit around LendDirect at 3095 Robie St, Halifax?
Nearby you can find Western Union for currency exchange, Lion's Head Tavern for dining and drinks, and The Bread Lounge Bakery for coffee and baked goods.