Vancity Fair and Fast Loan™

A smarter alternative to a payday lender. With eligibility based on your income, not your credit score.

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How 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
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Calculate your loan


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Cost of

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Looking for details on Vancity’s other loan options?
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