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
4.6
160 reviews
5 stars
137
4 stars
7
3 stars0
2 stars1
1 star
15
- JMJames MatherNov 13, 20255.0I've never taken this type of loan before and had many questions. They explained everything patiently and I appreciate it especially since I was stressed out at that time. Some other places made me more stressed out. At the time I took the loan I was skeptical about how much it's going to cost me etc but now I can say they were very open and honest about the information they gave. I dealt with Brook the most and she was so helpful and even went out of her way in some cases to help. Thanks to Brook and her team.
- ASali safaeiOct 10, 20251.0Worst ever and worst possible customer service i have ever had in Canada! The clerks are clueless what the system is, but they pretend they know ….
- VDvideo uploader dSep 22, 20255.0Debbie was amazing over the phone — very polite, patient and caring. She showed real affection and made the whole process smooth. Really appreciate her great customer service.
- SKSam KoelewijnJul 14, 20255.0Every time I’m here Ana is always super helpful and always friendly!
- PPpimcJul 14, 20255.0I spoke with Ana(I think), she helped me solve my problem over the phone very fast. I have been with CashMoney for a very long time and I am a happy customer
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 Line 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 LendDirect branch. The loan application is quick and easy.
What do I need to apply for a Line of Credit with LendDirect?
Applicants must be at least 18 years old, have valid ID, an open bank account in their name, proof of recurring income, and be a Canadian resident.
How soon can I get a lending decision after applying online?
During business hours, you may receive a pre-approval decision almost immediately, with final approval no later than 48 hours, often the same day.
What vehicles are accepted for a Secured Loan?
Standard passenger vehicles including hatchback cars, sedans, off-road trucks, SUVs, pick-up trucks, and vans are accepted.
Can I get a Secured Loan if I have a less than perfect credit score?
Yes, LendDirect considers various factors beyond credit score when processing loan applications.
Are Secured Loans available for vehicles older than 10 years?
Yes, Secured Loans can be offered for vehicles up to 20 model years old and with 250,000 kms or less.
Does LendDirect accept cash payments at their branches?
No, LendDirect does not accept cash payments, but you can pay via Interac e-Transfer, AutoPay online, or at a branch using your debit card.
What nearby places can I visit around LendDirect's Hamilton branch?
Nearby, you can find financial services like Cash Money and Western Union, dining options like Shehnai Restaurant, Tim Hortons, and McDonald's Canada, as well as shopping at Canada Computers.
How can nearby transit and services assist me when visiting LendDirect in Hamilton?
Hamilton Downtown transportation services and ServiceOntario office are nearby, making it convenient to access LendDirect or take care of related errands before or after your visit.
Are there any wellness or personal care businesses near LendDirect's location?
Yes, nearby personal care options include Michele's Salon and Spa, KayDan Hair Studio, and Digestive & Therapeutic Wellness Centre for holistic health.