Loans & lines of credit

Borrowing that puts you first.

Limited time offer

Get a personal loan with a special rate of Vancity Prime + 4.50% variable or 10.99% fixed. Conditions apply.
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Talk to a specialist

You’ve got options.

How do I pick? If you need the money all at once for a big purchase or one-time expense, you’re probably looking for a loan. Otherwise a line of credit might make more sense. A line of credit is an amount of money that you can borrow from whenever you want.

Personal Loan

For big purchases, debt consolidation or one-time expenses.

  • Borrow from $5,000 and up
  • Flexible repayment terms
  • Fixed or variable interest rate
  • No penalties if you pay it off early

Line of Credit

When you don’t need all of the money at once or need an emergency fund.

  • Apply once for a credit limit and access it at any time
  • Only pay interest on the amount you use

Vancity Fair & Fast Loan™

Break the debt cycle.

  • Borrow $100 to $2,500
  • No credit check
  • Choose your own repayment schedule
  • Approval in as little as 10 min

Home equity line of credit

Tap into your home to borrow for renovations, emergency expenses and more.

  • Lower the stress of borrowing
  • Apply once for a credit limit and access it at any time
  • Only pay interest on the amount you use

Planet-Wise Renovations

Lower interest rates for energy-efficient home renovations.

  • Borrow $3,500 to $50,000
  • Take up to 15 years to pay it off
  • Save money with flexible terms and lower interest rates

Planet-Wise Transportation

Loans for electric or hybrid vehicle purchases.

  • Borrow $1,500 and up
  • Save money with a preferred rate
  • For new and used vehicle purchases
  • Includes pedal bikes, e-bikes, scooters, electric cars, hybrids, charging stations and conversion kits.


Maximize your RRSP contribution room.

  • Use or catch up on RRSP contributions
  • Competitive interest rates
  • No penalties if you repay your loan early

Co-op Home Loan

Make the move to a housing co-op.

  • Competitive rate and term options
  • Up to a 25-year amortization term

Credential recognition or update loan

For newcomers to Canada or people who want to upgrade qualifications or certifications.

  • Return to working in your field of specialization
  • Build your credit history

Work to own loan

For new members of worker co-operatives

  • Borrow up to $10,000
  • For contributing to your membership share and to build equity sooner

Business Lending

For all types of businesses. From entrepreneurs just starting out to large businesses.

  • Business loans
  • Micro loans
  • Commercial mortgages
  • Other lending solutions

Peace of mind.

Get peace of mind knowing that your loan or line-of-credit payments are covered in the case of illness, disability, or loss of life with loan insurance.

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