LendDirect Review 2026Apply Now Check if I Qualify ↓
Written and analysed by Smarter Loans Editorial Team · Reviewed by Rafael Rositsan
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Four questions checked against LendDirect's published criteria, per product. No application started.
LendDirect counts employment income only: the minimum explicitly excludes government assistance, a line most lenders leave unsaid.
The published minimum has to be met without government assistance income. Support payments can exist in the background of the application, but they do not move the number that decides it.
The employment behind the income needs at least three months of history. A new job can pay well and still fail the test until the tenure is there, so timing an application matters.
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4 reviews from borrowers who used LendDirect. Each is submitted by a verified borrower and moderated for authenticity; it renders as written, positive or not, and lenders cannot remove it.
The location I visited was very helpful and professional. They helped me in an emergency situation quickly, which is what I needed. Thank you LendDirect!
I took advantage of Lend Direct's line of credit product. The lady that walked me through the application process was very nice and helpful. Happy with the rates and terms that I got.
Fantastic customer service representative at the Brampton location who stayed late after the facility had closed to complete the process of my application! She was professional, courteous, fast and efficient! I would unequivocally recommend Sony Pothiwal! Thank you for your exceptional service!
Fantastic customer service representative at the Brampton location who stayed late after the facility had closed to complete the process of my application! She was professional, courteous, fast and efficient! I would unequivocally recommend Sony Pothiwal! Thank you for your exceptional service!
LendDirect Canada personal loans cover many uses. Whether you need to pay for a large purchase, cover unexpected expenses, or consolidate your debt, a LendDirect personal loan may be able to help you achieve your goal. LendDirect was founded on creating better Canada personal loan options.
LendDirect had a dream to bring Canadians dependable personal loans without the staunchness of a traditional brick and mortar. They offer personal loans with a personal touch because money is, well, personal. LendDirect may look and feel similar to a bank but what separates them is their dynamic flexibility on who they can approve with lending criteria that is much easier to meet, making LendDirect a great alternative when banks aren't an option. They also have a 4.8 TrustScore on Trustpilot based off of nearly 900 reviews and 12 branch locations across Canada.
LendDirect Canada offers a line of credit that they relate to working similar to a credit card versus a traditional instalment loan.
You can receive anywhere from $100 to $15,000 through a LendDirect line of credit.
A line of credit from LendDirect has an interest rate of 34.99%.
A LendDirect line of credit is open ended.
To qualify for a LendDirect line of credit, you have to be a Canadian resident over 18 years old, earn a minimum income of $1,500 per month, have a chequing account, have to have been employed for at least 3 months and provide proof of income and government identification.
You can apply for a LendDirect loan application 100% online, or by visiting a LendDirect branch. When applying, you will need to provide personal, income & bank account information.
If approved for a LendDirect loan then you can have your money direct deposited into your chequing account, or select to receive funds via Interac e-Transfer® to get your money in 2 hours or less. On average, most loans are received within 24 hours.
LendDirect will direct deposit approved applicants funds into their bank account by direct deposit and/or via Interac e-Transfer®.
You can pay back your LendDirect line of credit by making regular payments over time through direct deposit, with the option to pay more than the minimum amount due to save on interest paid.
LendDirect is available in Ontario, Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland, Nova Scotia, NWT, PEI and Saskatchewan.
LendDirect can be contacted through their help centre online, blog that offers multiple question and answers, email support where you can fill out a contact form and their call centre.
While you can apply for a loan anytime online, the LendDirect call centre answers calls from Monday to Friday during 8AM - 9PM ET and Saturday and Sunday from 9AM - 5PM ET.
