- Rate
- Quoted when you apply
- Amount
- $5,000 – $50,000
- Term
- 0.5 – 7 years
- Prepayment
- No penalty
Borrower-specific quote required. No advertised minimum is a likely personal rate.
Loans
Vancity · Personal Loan — variable
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
- Rate type
- variable
- Early repayment
- Additional early payments without penalty
- Province availability
- BCMembership requires BC residency; product approval and any joint/nonresident exceptions require confirmation.
- Applicant conditions
- Membership required; other lending criteria must be confirmed
- Credit inquiry
- Credit bureau report obtained; soft/hard type not establishedPersonal Loan
- Consolidation administration fee
- 1% of principal, minimum $50.00Debt consolidation purpose only
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.
- Published interest rate
- Published APR
- Mandatory fees
- Annual fee
- Collateral
- Payment frequency
- Interest calculation
- Cosigner
- Application channel
- Funding
Official sources and verification
- Official evidence · checked 2026-11-03
Debt consolidation use carries an administration fee of max(1% of loan amount, $50). Other mandatory costs require agreement review.
- 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.