- Rate
- Quoted when you apply
- Amount
- Ask lender
- Term
- Revolving
- Annual fee
- Check terms
Borrower-specific quote required. No advertised minimum is a likely personal rate.
Loans
Vancity · Creditline
Prime rate today: 4.7% Banks rarely publish personal loan rates. Their variable rates are prime plus a margin set when you’re approved, so your quote depends on your credit, income and the term. Source: RBC
What Vancity publishes
- Province availability
- BCMembership requires BC residency; exact credit approval requires confirmation.
- Application channel
- Contact provider
Ask the lender before you sign
Vancity doesn’t publish these details online. They are set in your loan offer, so ask for them in writing and compare the APR, not just the interest rate.
- Rate type
- Published interest rate
- Published APR
- Mandatory fees
- Annual fee
- Early repayment
- Collateral
- Payment frequency
- Interest calculation
- Applicant conditions
- Cosigner
- Credit inquiry
- Funding
Official sources and verification
- Official evidence · checked 2026-11-03
Current product identity and explicitly enumerated facts. Individual quote and unverified charges remain unavailable.
- Official evidence · checked 2026-11-03
BC residency and membership conditions; does not establish approval.
Pricing observations expire after seven days; product/fee/identity observations after 30 days. Verification is manual.
Every fact above comes from Vancity’s own website. We don’t estimate a total cost from a marketed minimum or a fee we haven’t seen.
Estimate payments with your own rate and term
WalletReturn compares information and hypothetical costs. No application, identity collection or credit check takes place here. Lender approval, current contract terms and province eligibility must be confirmed with the lender.