Vancity Fair & Fast Loan™

Get a Vancity
Fair & Fast Loan™
in as little as 10 minutes

Apply online
Need emergency money?

A fair and fast alternative to payday loans, created with feedback from Vancity members.

Unexpected expenses can happen to any of us. We may be able help you get back on your feet with $100-$2,500 in your account, in as little as 10 minutes. No fees, no hassle. Make sure you check the video below to see in detail how you can apply and if you qualify for a Vancity Fair & Fast Loan.

Super fast process

Our latest banking system upgrade lets you apply online and get approval in as little as 10 minutes.

Low rate

Annual interest rate equal to 19%.1

No credit check

We believe you’re more than just your credit history. Your credit score does not influence our approval process.

Adjustable payments

Decide your own repayment schedule, from 2 weeks to 2 years.2

Apply online


Note: not accessible through Internet Explorer. Supported browsers include Chrome, Safari and Firefox, or you can apply through the Vancity mobile app.

Use the slider below to calculate the approximate loan cost.3


Loan amount $

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Cost of


How is the Vancity Fair & Fast Loan™ different than a payday loan?

The Vancity Fair & Fast Loan offers a manageable rate, flexible payback schedule and an opportunity to build your credit history. Read more about the differences.

View all FAQs ››

Is this product right for you?

Vancity offers a range of loan products that might better meet your needs.

View all loans ››

See how you can apply for a Vancity Fair & Fast Loan.

To apply in person or over the phone contact us.

By phone

Metro Vancouver: 604.877.7000
Greater Victoria: 250.519.7000
Toll-free: 1.888.826.2489

In person

Visit a Vancity
community branch near you. Find a Branch