Loans

Types of loans

Credit Type	Overview	Features and Benefits
Personal Loan	A one-time lump sum for a big purchase, home renovation, debt consolidation, and more.	Fixed or variable rate Flexible loan repayment terms No early prepayment charges Learn more Apply now
Vancity Fair & Fast Loan™	A quick loan solution if you need cash in a hurry.	You could borrow as little as $100 up to $2,500 Flexible payback schedules Break the payday loan cycle Learn more
Line of Credit	A flexible source of credit that's there for you to use again and again.	Use your credit again and again Access funds at any time Choice of unsecured and secured Learn more Apply now
Vancity Home Energy™ Loan	Get rewarded with a lower interest rate to finance energy-efficient home renovations.	Take up to 15 years to repay Save money with flexible terms and lower interest rates Borrow as little as $3,500 or a maximum of $50,000 Learn more Apply now
Clean Air Vehicle Loan	Get a preferred interest rate to purchase a vehicle that emits less carbon.	Take up to 10 years to repay Save money with flexible terms and lower interest rates No penalties if you repay your loan early Learn more
Ready to Rent Loan	Get an interest free loan to update your rooms/suites for new refugees.	Interest free loan Borrow as little as $3,500 or a maximum of $50,000 Flexible repayment options available Learn more
RRSP Loan	Get funds to put towards this year's RRSP, or catch up on contributions for previous years.	Defer your first payment and use your tax rebate to repay all or some of your loan No penalties if you repay your loan early Competitive interest rates Learn more Apply now
Peerloan	Newcomers to Canada who are looking to enter a trade or profession or need to build credit history.	No early prepayment charges Low interest rate Flexible repayment plans Learn more

Vancity Fair & Fast Loan™ is a trademark of Vancouver City Savings Credit Union.