Vancity Fair and Fast Loan™
A smarter alternative to a payday lender. With eligibility based on your income, not your credit score.
Login to applyHow it works
- Apply the simple wayApply online and have your loan funded to your account within 10 minutes.
- Customize your payment optionsDecide how often to make payments and how long you need to pay back your loan.
- No payment penaltiesMake additional payments with no penalties if you want to pay back your loan early.
Fair & Fast details
Best for: if you need cash in a hurry, are worried about your credit score, and are considering using a payday lender.
| Amount | Borrow from $100 to $2,500 |
| Approval |
Based on income No credit check required |
| Interest | 19% fixed interest rate ¹ |
| Term |
Pay back in as little as 2 weeks, or take a maximum of 2 years |
Calculate your loan
$100$2,500
Loan amount $
Loan period
Payment
frequency
Interest rate %
Monthly
payment
$
Cost of
borrowing
$
Learn more
Looking for details on Vancity’s other loan options?
See all of our types of loans »
Want to learn more?
Visit the Learning Hub »
¹ The annual percentage rate (APR) is compounded monthly, not in advance. APR assumes no fees or charges apply. If additional fees and/or charges apply, the total Cost of Credit and APR would increase. This product, its features and advertised interest rates may change at any time and may be withdrawn by Vancity at any time for any reason without prior notice to the member.
Vancity Fair & Fast Loan™ is a trademark of Vancouver City Savings Credit Union.