Hi there — let's verify your identity

As required by Canada's Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and FINTRAC guidelines, we must confirm your identity before releasing funds. This takes about 2 minutes.

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Your application has been received. Complete this form to continue. Providing false information is a criminal offence under the Criminal Code of Canada. All data is encrypted per PIPEDA.

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Personal Information

Must match your government-issued ID exactly. Required under FINTRAC regulations.

Legal First Name * Required

Middle Name

Legal Last Name * Required

Date of Birth * Must be 18 or older

Social Insurance Number (SIN) * Enter a valid 9-digit SIN 🔒 Encrypted end-to-end. Used for identity verification only, as permitted under PIPEDA. Never shared.

Contact Details

Email Address * Valid email required

Mobile Phone * Required

Current Address

Street Address * Required

City * Required

Province * Required

Postal Code * Valid postal code required

Employment & Income

Employment Status * Required

Monthly Net Income * Required

Pay Day (day of month)

Bank / Financial Institution * Required

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Government-Issued Photo ID

Required by FINTRAC — document verification. Upload a clear photo of your ID.

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Upload both front and back (or photo page for passport). Under 10 MB, JPG/PNG/PDF. Ensure fully visible, well-lit, not expired.

Front of ID *

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Click or drag to upload front of ID

JPG, PNG, PDF · Max 10 MB

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Please upload the front of your ID

Back of ID *

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Click or drag to upload back of ID

JPG, PNG, PDF · Max 10 MB

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Please upload the back of your ID

ID / Document Number * Required

Expiry Date * ID must not be expired

Issuing Province / Country * Required

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Fund Delivery — Interac e-Transfer®

Approved funds delivered instantly to your email. No account number needed at this stage.

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Funds are sent via Interac e-Transfer® to your email — typically within 15 minutes of approval. Repayment via Pre-Authorized Debit (PAD) — a separate PAD agreement will be provided before any debit.

Interac e-Transfer Email * Valid email required Must be the email registered for Interac e-Transfer with your bank.

Confirm e-Transfer Email * Emails do not match

Void Cheque (Optional)

Optional — uploading a void cheque or direct deposit form may speed up future disbursements.

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Upload void cheque (optional)

JPG, PNG, PDF · Max 10 MB

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Loan Summary

Based on your application. A written cost-of-borrowing disclosure will be provided before signing.

Loan Amount—

Province—

Cost of Borrowing$14 per $100 (ON)

Borrowing Fee—

Total Repayment—

Funding MethodInterac e-Transfer®

Repayment MethodPre-Authorized Debit (PAD)

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Payday loans are high-cost, short-term credit. APR ≈ 365% (ON). Not intended for long-term financial problems. For free counselling: Credit Counselling Society 1-888-527-8999.

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Consents & Certifications

All consents below are required to proceed under Canadian federal and provincial law.

Accuracy & Truth: I certify that all information provided is true, accurate, and complete. Providing false information is an offence under the Criminal Code of Canada.

Identity Verification (FINTRAC / PCMLTFA): I consent to LendX verifying my identity as required under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act, including review of my government-issued ID and SIN.

Soft Credit Inquiry: I authorize LendX to conduct a soft credit inquiry with Equifax Canada Co. and/or TransUnion of Canada Inc. A soft pull does not affect my credit score. A hard inquiry only occurs after I sign a loan agreement, with separate written consent.

PIPEDA / Privacy Consent: I consent to LendX collecting, using, and disclosing my personal information (including SIN, ID, income, banking details) as described in the Privacy Policy. I may withdraw consent by contacting privacy@lendxfinancial.com.

Electronic Communications (CASL): I provide express consent to receive electronic communications from LendX regarding my application and account. I may opt out of marketing at any time.

Pre-Authorized Debit Notice: I understand repayment will be via Pre-Authorized Debit (PAD). A formal PAD Agreement per Payments Canada Rule H1 will be provided before any debit. I may cancel PAD at any time with written notice.

Age & Residency: I confirm I am at least 18 years of age (or age of majority in my province), a Canadian resident, and not a resident of Quebec.

🔒 256-bit AES encrypted · TLS 1.3 · PIPEDA compliant · Privacy Policy · Terms of Service

Hi there — let's verify your identity

Check your email

Our team reviews your ID

E-sign your loan agreement

Funds via Interac e-Transfer®

Personal Information

Government-Issued Photo ID

Fund Delivery — Interac e-Transfer®

Loan Summary

Consents & Certifications

⚖️ Final Consent — Identity Verification & Loan Application

Summary of Consents You Are Providing

Cost of Borrowing (Ontario — Payday Loans Act, 2008)

Right to Cancel

Complaints & Dispute Resolution

No Guarantee of Approval

Data Retention (FINTRAC)