How it works

We know there’s more to life than just credit scores and income. LM Credit takes the time to learn about your story and tailor a loan that works for you.

Get started online or give us a call at 1-833-301-1058 to begin your application. We have real people review your documents and information then we work directly with you to understand your unique situation.

What you need:

Documents for your Personal Unsecured Loan:

  • Non-expired Government issued photo I.D.
  • Proof of address
  • Proof of income (two recent paystubs)
  • Bank statement (Last 90 days of banking information)
  • Pre-authorized debit form or void cheque

Get approved, get money the same day.

We go through your application with you within 2 business days, often faster. We let you know right away if you’re approved and we put the money right towards your debt.
Apply Now

What do I need in order to get approved?

Our application process is based on a few factors. You can begin by filling out our online contact form or by calling us at 1-833-301-1058. Three important factors are income, stability and credibility.

How long does it take to know if I am approved?

We like to talk to our clients to complete the application process with them. So approvals depend on how long it takes to get you on the phone before we enter into a partnership. Typically, we get you approved within 1 business day and sometimes as fast as 30 minutes.

How do you accept payments?

We accept payments through an automatic payment plan.

Make easier payments, elevate your credit.

We educate you about the type of loan that you need and make certain you understand every aspect of the partnership we made with you. LM Credit's experience and unique relationships with major institutions mean we’re experts at this. We negotiate directly with your creditor or major banking institution to get the best plan to solve your debt, fast. LM Credit even reports your payments to the credit bureau to help rebuild your credit.
Read more

Do you have or offer loan protection?

We work with insurance partners that will give you loan protection if required. Our loan protection plan is to protect you in case of job loss, injury, illness and in the worst possible case, if you pass away.

  • If you are laid off, your payments are covered up to 6 months.
  • If you are injured or ill, your payments are covered up to 6 months.
  • If you pass away, your payments are covered 100%.

How do you accept payments?

We accept payments through an automatic payment plan.

How do you help rebuild my credit?

At LM Credit we report your payment history to Equifax and to Trans-union. We pay for the ability to do that. The result is they are directly getting the information needed to improve your beacon score.

What We Offer

We want to make it easier to elevate your credit and get you back on track. We offer:

  • Unsecured Personal Loans from $500 – $15,000
  • Interest rates starting at 25.99%
  • Terms from 9-60 months

See our full Terms.

No matter your reason, LM Credit can help.
  • Debt consolidation
  • Paying off collections
  • Unexpected expenditures
  • Car repairs
  • Phone and internet bills
  • Overdue utilities
  • Emergency repairs to your home
  • Any other reason—Contact us with your debt story.