You’ve got options.
How do I pick? If you need the money all at once for a big purchase or one-time expense, you’re probably looking for a loan. Otherwise a line of credit might make more sense. A line of credit is an amount of money that you can borrow from whenever you want.
Personal Loan
For big purchases, debt consolidation or one-time expenses.
- Borrow from $5,000 and up
- Flexible repayment terms
- Fixed or variable interest rate
- No penalties if you pay it off early
Line of Credit
When you don’t need all of the money at once or need an emergency fund.
- Apply once for a credit limit and access it at any time
- Only pay interest on the amount you use
Vancity Fair & Fast Loan™
Break the debt cycle.
- Borrow $100 to $2,500
- No credit check
- Choose your own repayment schedule
- Approval in as little as 10 min
Home equity line of credit
Tap into your home to borrow for renovations, emergency expenses and more.
- Lower the stress of borrowing
- Apply once for a credit limit and access it at any time
- Only pay interest on the amount you use
Planet-Wise Renovations
Lower interest rates for energy-efficient home renovations.
- Borrow $3,500 to $50,000
- Take up to 15 years to pay it off
- Save money with flexible terms and lower interest rates
Planet-Wise Transportation
Loans for electric or hybrid vehicle purchases.
- Borrow $1,500 and up
- Save money with a preferred rate
- For new and used vehicle purchases
- Includes pedal bikes, e-bikes, scooters, electric cars, hybrids, charging stations and conversion kits.
RRSP Loan
Maximize your RRSP contribution room.
- Use or catch up on RRSP contributions
- Competitive interest rates
- No penalties if you repay your loan early
Co-op Home Loan
Make the move to a housing co-op.
- Competitive rate and term options
- Up to a 25-year amortization term
Credential recognition or update loan
For newcomers to Canada or people who want to upgrade qualifications or certifications.
- Return to working in your field of specialization
- Build your credit history
Work to own loan
For new members of worker co-operatives
- Borrow up to $10,000
- For contributing to your membership share and to build equity sooner
Business Lending
For all types of businesses. From entrepreneurs just starting out to large businesses.
- Business loans
- Micro loans
- Commercial mortgages
- Other lending solutions
Peace of mind.
Get peace of mind knowing that your loan or line-of-credit payments are covered in the case of illness, disability, or loss of life with loan insurance.
Learn more