Information provided on this page is verified by PrêtDirect
PrêtDirect is a Quebec lending company based in Montreal that provides fast and reliable short-term loans to individuals who need financial support during unexpected situations. They are committed to offering a simple, secure, and transparent borrowing process designed to help people access funds quickly without unnecessary stress.
Their team works exclusively with companies licensed by the Office of Consumer Protection, ensuring every transaction is safe, confidential, and fully compliant with Canadian lending standards. PrêtDirect understands that financial difficulties can happen to anyone, and their goal is to provide a responsible solution when other options are unavailable.
Time in business:
Since 2021
Customers:
50,000+
Total funded:
$14,260,000+
Loans offered:
Micro Loans, Express Loan
Reviewed by: Vlad Sherbatov, Personal Finance Analyst at Smarter Loans
Our Take
PrêtDirect is a Quebec-based short-term lender focused on providing small, structured loans for borrowers who need quick financial support without turning to traditional payday products. Operating out of Montreal since 2021, PrêtDirect positions itself as a more responsible alternative by offering fixed-term micro loans with repayment periods of three to six months rather than single-pay-cycle loans.
A key differentiator is regulatory alignment. PrêtDirect works exclusively with lenders licensed by Quebec’s Office de la protection du consommateur, which adds an extra layer of consumer protection and transparency. The loan structure is straightforward, the approval process is fast, and funding is typically delivered the same day via Interac e-Transfer.
This is a lender designed for short-term stability, not instant cash at any cost.
Who PrêtDirect Works Best For
PrêtDirect is best suited for Quebec residents who need between $500 and $1,000 to manage an unexpected expense and want more breathing room than a traditional payday loan offers. Borrowers with steady employment, direct deposit income, and a reasonably stable banking history are the ideal fit.
It can also work well for individuals who have limited access to bank credit but still want a clearly defined repayment schedule spread over several months. The longer term reduces the shock of lump-sum repayment and can make budgeting more manageable.
PrêtDirect is not suitable for borrowers who need more than $1,000, require funds outside Quebec, or are looking for ultra-fast emergency cash with no income verification.
What We Like
The structured repayment terms are a strong positive. A three to six month term provides more flexibility than most payday-style products and lowers the risk of repeat borrowing cycles.
We also like the emphasis on compliance and transparency. By working with licensed partners and clearly disclosing rates starting at 22%, PrêtDirect avoids many of the surprises that borrowers often encounter in the short-term lending space.
Same-day funding via Interac e-Transfer is another advantage, especially for applications approved earlier in the day. The process remains fully online, with no unnecessary paperwork or in-person steps.
Where PrêtDirect Could Improve
Loan size is limited. The $500 to $1,000 range covers minor emergencies but may fall short for larger or more complex financial needs.
Geographic availability is also narrow. PrêtDirect currently serves Quebec residents only, which limits accessibility for borrowers elsewhere in Canada.
While the rates are more structured than payday loans, they are still significantly higher than bank or credit union products, so borrowers should treat this as a short-term solution rather than ongoing financing.
Is PrêtDirect Right For You?
PrêtDirect can be a good option if you live in Quebec, have steady income, and need a modest amount of money with a repayment plan that extends beyond a single paycheque. It is particularly appealing for borrowers who want regulatory oversight and clearer terms than traditional payday loans typically offer.
If you qualify for a line of credit, installment loan from a bank, or employer-based financial support, those options may be cheaper. But when those avenues are unavailable, PrêtDirect provides a measured, compliant, and relatively predictable short-term borrowing solution.
$500 - $1,000
Starting at 22%
3 to 6 months
Interest Rate
Amount
Term
Who is eligible?
Canadian residents who are at least 18 years old.
Earn a stable income of $1,200 or more per month
Have been employed for at least three months.
How do you qualify?
How fast can you get the money?
Once an application is approved, funds can be deposited into the borrower’s bank account the same day through Interac e-Transfer,
If the loan is approved before 10:30 a.m., borrowers typically receive the funds before the end of the business day.
Approvals made after that time may result in a 24-hour delay.
Funding method
PrêtDirect uses Interac e-Transfer to send money directly to approved borrowers. This method is fast, reliable, and completely secure, allowing borrowers to receive their funds directly into their existing bank account without the need for additional steps or paperwork.
info@pretdirect.com
1250 boul rene-levesque O montreal,qc H3B 4W8
Availability:
QuebecSupport Offered:
Call Center:
Monday to Thursday 8 - 5pm Friday 8 - 4pmWho is PrêtDirect?
PrêtDirect helps Quebecers access short-term loans safely, quickly, and responsibly. They combine fast approval times with flexible repayment options and secure digital transfers to make the borrowing experience as smooth as possible.
How are applicants evaluated for eligibility?
Eligibility is determined based on income stability, employment history, and overall financial health. PrêtDirect uses these criteria to ensure that every borrower can manage their repayment comfortably while minimizing financial strain.
Who can apply for a cash loan?
Any Canadian resident who meets the eligibility criteria can apply. PrêtDirect welcomes applicants with both good and bad credit histories, understanding that credit challenges shouldn’t prevent someone from accessing short-term help when it’s needed most.
How much money can you borrow?
Borrowers can receive up to $1,000 depending on their income, employment status, and financial situation.
How does repayment work?
PrêtDirect allows borrowers to repay their loans at their own pace, offering flexible repayment options spread across 3 to 16 installments, depending on payroll frequency. The minimum repayment period is 90 days, allowing borrowers to stay on track without pressure.
Who is eligible for a loan with PrêtDirect?
PrêtDirect provides cash loans to Quebec residents who are 18 years of age or older, have a stable income of at least $1,200 per month, and have been employed for a minimum of three months. Applicants must receive their pay by direct deposit into a Canadian bank account and maintain an account in good standing without excess unfunded payments or a high level of existing short-term debt.
How fast can you receive the money?
Once an application is approved, funds can be deposited into the borrower’s bank account the same day through Interac e-Transfer, Canada’s fastest and most secure transfer method.
What is the funding method?
PrêtDirect uses Interac e-Transfer to send money directly to approved borrowers. This method is fast, reliable, and completely secure, allowing borrowers to receive their funds directly into their existing bank account without the need for additional steps or paperwork.
How quickly are applications approved?
Applications are reviewed quickly, with most approvals processed within one hour during business hours. Once approved, the money is transferred right away.
Are loans from PrêtDirect safe?
Yes. PrêtDirect ensures that all client information remains 100 % confidential. They use secure systems and partner only with licensed lenders recognized by the Office of Consumer Protection, giving borrowers peace of mind that their personal and financial details are protected.
Avg. Rating: 5.0 (2 reviews)
“Got a quick loan for $500”
“Very easy application process, spoke to someone really nice on the phone. Good experience. ”
