LendDirect Reviews and Ratings


At LendDirect, qualified borrowers can access personal lines of credit and loans of up to $15,000. Although their business is primarily based online, they have several physical branches located throughout Southern Ontario and will also accept clients living in Alberta, British Columbia, and Saskatchewan.

If your application is accepted and you request a direct deposit, you can expect to receive your open ended line of credit within one business day. However, if you apply during their standard Monday to Friday business hours and prefer an Interac e-Transfer, you might be able to collect your funding as little as 2 hours following approval. The credit limit you’re eligible for will be based on your creditworthiness.

Business Hours
Monday to Friday (8:00am - 11:00pm EST)
Saturday to Sunday (9:00am - 5:00pm EST)

Support Offered

  • Contact centre
  • Blog
  • Email

Services Offered

Conditions & Rates

  • Interest rate:
    46.93% APR
  • Amount:
    $100 - $15,000
  • Term:

Eligibility & Documents

  • Who is eligible:
    Must be 18 - 70 years of age
    Must be a Canadian resident
    Must have a steady income of at least $1,500 monthly
    Must possess an active bank account
  • What you need to provide:
    1 piece of government-issued identification
    Recent pay stubs or other proof of income

Repayment & Issuance

  • How fast can you get the money
    Within 1 business day
  • Funding method
    Electronic transfer
    Direct deposit
  • How does repayment work
    Automatic debit

Reviews & Ratings

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