Canadian-owned. Lending in all 10 provinces and 3 territories.
Check application statusPersonal loans · Canada-wide
The shortest distance between you and the money.
LendDirect is a Canadian direct lender. You deal with us start to finish — one application, one decision, one deposit. Borrow $500 to $50,000.
- A decision in under 24 hours
- Checking your rate never touches your credit score
- A licensed lender — never a broker or a lead seller
What you'll pay
9.99% APR
Estimated monthly payment
$387.15
36 months · total interest ≈ $1,937
Estimate only. Your rate and payment depend on your credit profile.
The direct line
Most loans pass through four desks. Yours passes through one.
Through a broker
typically 3–10 days
Direct with us
under 24 hours
Every desk a file crosses adds a handoff, a fee, and a day. We removed them by being the lender — we underwrite your application, we fund it, and we service it.
One application. Whatever you need it for.
All amounts in CAD
$500 – $50,000
Personal
Consolidating a balance, covering a move, or evening out a rough month.
$1,000 – $50,000
Business
Payroll, inventory, or equipment without waiting on a bank's committee.
$1,000 – $50,000
Home
Repairs and renovations, funded before the contractor starts.
$500 – $50,000
Auto & other
A repair bill, a used-car gap, or anything that resists a neat category.
How it works
Three stages, and how long each one takes.
0:00
Tell us what you need
Three short screens: who you are, a photo of your ID, and the amount. Nothing to print, nothing to mail.
~2 min
We review it ourselves
Your file goes straight to our credit team. It is not sold to a panel of lenders and it is not shopped around.
< 24 h
Money reaches your bank
Once you accept the offer, funds are deposited by EFT into your Canadian chequing account.
Where we lend
Every province. Every territory.
We are licensed to lend across Canada. Rates, maximum amounts, and cost-of-borrowing disclosures follow the rules of the province or territory you live in.
- AlbertaAB
- British ColumbiaBC
- ManitobaMB
- New BrunswickNB
- Newfoundland and LabradorNL
- Nova ScotiaNS
- Northwest TerritoriesNT
- NunavutNU
- OntarioON
- Prince Edward IslandPE
- QuebecQC
- SaskatchewanSK
- YukonYT
Rates at a glance
What a loan actually costs.
Sample payments at our indicative 9.99% APR over 36 months. Your own rate depends on your credit profile and your province.
| Amount | Term | Monthly | Total interest |
|---|---|---|---|
| $2,000 | 36 mo | $64.53 | $323 |
| $5,000 | 36 mo | $161.32 | $808 |
| $12,000 | 36 mo | $387.17 | $1,938 |
| $25,000 | 36 mo | $806.60 | $4,038 |
Estimates only. Use the calculator above for your own amount and term.
FAQ
Questions, answered.
Are you a lender or a broker?
A lender. We underwrite and fund loans ourselves, so your application is never passed to a panel of third parties or sold as a lead.
Where in Canada do you lend?
All ten provinces and three territories. Rates and maximum amounts can vary by province to meet local cost-of-borrowing rules.
Will applying affect my credit score?
No. Checking your rate with LendDirect is a soft inquiry and leaves no mark on your credit file.
Why do you ask for my SIN?
To confirm you are who you say you are and to pull your credit file. Giving it is voluntary — if you would rather not, contact us and we will discuss alternatives.
What do I need to apply?
Your contact details, a Canadian address, and a photo of a government-issued ID — a driver's licence, provincial ID, or passport. No pay stubs or bank statements to apply.
How do I check on my application?
Use the application ID from your confirmation email on the Check status page, any time.
Two minutes now. Money tomorrow.
No paperwork, no pressure, and no effect on your credit score for checking.