Personal credit

Money for the things you need
Even the most diligent savers need a helping hand sometimes. Whether you need to consolidate debt, buy a vehicle, take advantage of an investment opportunity or make some improvements to your home, our lending products are designed to help.

Personal loans
If you know how much you need to borrow, a VantageOne personal loan is a great option to consider. It offers the security of fixed monthly payments and the choice of a fixed or variable interest rate. You can also customize your repayment plan to suit your budget (the longer the term, the lower your monthly payments will be). Our personal loans feature:

  • local approvals
  • competitive fixed or floating rates
  • weekly, bi-weekly or monthly repayment terms
  • no penalties on early payout
  • life and disability insurance included in your payment
  • repayment terms of up to 5 years

Line of credit
A VantageOne personal line of credit offers a simple and convenient way to borrow. Once approved for a certain limit, you can access money when you need it and only pay interest on what you use. When you pay off your line of credit, it automatically renews itself. So the money’s always available when you need it. It can also protect your daily banking account from overdrafts or returned cheques. Our personal line of credit features:

  • local approvals
  • competitive rates
  • easy access to your funds in-branch, online, at ATMs and with cheques
  • limits starting as low as $500
  • pay down balances anytime without penalty

TFSA loans
Contributing the maximum amount to your TFSA every year is a great strategy, but it’s not always easy or possible. We can help you do it with our TFSA loan. Our flexible terms and competitive interest rates make borrowing a cost-effective way to start or strengthen your TFSA strategy.

RRSP loans
If you need some capital to start (or boost) your investment strategy, a VantageOne RRSP loan could be an ideal solution. This flexible loan lets you take full advantage of tax savings today while putting money away for the future. Use your loan to start or top up your RRSP contribution, get a great tax deduction and then use your tax refund to pay back the loan. Simple. Our RRSP loans feature:

  • local approvals
  • competitive rates
  • weekly, bi-weekly or monthly repayment terms
  • no penalties on early payout
  • life and disability insurance included in your payment

Protect yourself
Loan insurance protects your family against financial hardship if you have an accident, become critically ill or much worse. We offer the kind of insurance that will take care of your payments when you simply can’t.

Taking the next steps

Have questions or need more information? Chat with us.

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