Loans & Lines of Credit
Our terms and payment options are flexible and can be easily tailored to suit your needs.
Do you need financing for a new car? A renovation? A vacation? An investment or another worthwhile purpose?
A personal loan or line of credit from Ladysmith & District Credit Union may be the answer.
Personal Loans
Our terms and payment options are flexible and can be easily tailored to suit your needs.
Financing a new vehicle
With terms from 1-5 years and flexible repayment options, we make purchasing a vehicle easier than ever
Debt consolidation
Take back control of your finances and credit with competitive rates and automatic loan payments
Funding your vacation
Take that trip now and pay later. You can also pre-pay at any time without penalty
Please contact our friendly and experienced lenders for more information, or apply online to get started on your loan application right away.
Lines of Credit
A Personal Line of Credit allows you to write your own loan as your life requires it. You can access your funds anytime by withdrawing up to your approved credit limit. You pay interest only on the amount you borrow, and you only have to apply once. When you pay off your line of credit it automatically renews itself, so the money's there when you need it.
Renovations
Your LOC can be fully secured or unsecured
Emergencies
With no administration or standby fees, the funds are there when you need them
Vehicle repairs
Only pay interest on the amount you borrow
Whether you need extra cash for traveling, renovating, car repairs, big purchases or to act as a cushion when your funds are running low, a Personal Line of Credit from LDCU could be the best solution for you.
Registered Retirement Savings Plan (RRSP) Loans
Not enough funds to contribute to your RRSPs? Ladysmith & District Credit Union offers you the loan you need in order to utilize the full potential of an RRSP. We offer these at exceptional rates to help you maximize your RRSP and Term Deposit contributions.
Receive tax benefits and earn interest
With an RRSP loan from us, you can receive tax benefits and earn interest right away.
Catch up on your RRSP
Catch up on those "lost years" with our competitive RRSP 'catch up' loans for up to 10 years.
For more information about RRSP's and related products visit Canada Revenue Agency's website.
Need more information?
Our knowledgeable lending staff is always happy to help.
Get the app
Introducing LDCU Mobile, available on iPhone and Android™ devices. With a host of convenient features, it's a fast and secure way to handle everyday banking wherever and whenever it suits you.
Need help? Get your app questions answered here.
Find the credit card to fit your lifestyle
From no fee to travel rewards, we have a full range of flexible credit card options to suit your needs.
Get a personalized financial checkup
Our experts will help you take control of your finances with genuine, actionable advice on how to maximize your money.
Bank your way, every day
Learn about online and mobile banking, ATMs, transfers, and more.
