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Personal loan

A Vancity personal loan can make good financial sense. Interest rates are much lower than rates charged on department store and gasoline credit cards. So we save you money. And our rates are fully competitive with banks and trust companies.

Terms to fit your needs and your budget:

  • loan repayment terms from 6 months to seven years
  • Vancity Fair & Fast Loan has fixed rate repayment terms from two months to two years.
  • wide variety of assets accepted as loan collateral: term deposits, automobiles and more
  • ten month repayment plans available – skip August and September to match your cash flow
  • repayable at any time without penalty
  • variable or fixed interest rates based on our prime rate
  • options to save interest by making payments more frequently
  • flexible payment schedule -- weekly, bi-weekly, semi-monthly or monthly -- to coincide with your pay period

Book an appointment

Note: Small and short-term demand loans with a cost of borrowing of less than $45.00 at the time of loan set-up will be charged an interest rate of 17.90% per annum. This does not apply to the Vancity Fair & Fast Loan™.

How to apply

You can apply for a Vancity loan online, at your branch or over the phone by calling Member Services Centre at 604-877-7000 or toll free at 1-888-Vancity (826-2489). Please note that we will respond to your online loan application request within 48 business hours.


You may be a candidate for our microfinance loans

You may be eligible for a microfinance loan if you are an entrepreneur, looking to enter a trade or profession, or needing to build or repair your credit history.

Need money fast? We can help.