Loans Vancouver works with licensed British Columbia lenders across 5 loan types. Each has its own page below with who it suits, how the lender sizes it and how quickly it funds by e-transfer. Pick the one that matches the bill in front of you.
Payday Loans Vancouver
Cover the days between a short cheque and the next one, under the BC cap and the Payday Loans Regulation.
Payday loans Vancouver borrowers take are capped at $14 per $100 borrowed, from $100 up to $1500, with one repayment on a pay date no more than 62 days away. Consumer Protection BC licenses every lender, and BC limits the loan to half your net pay in the term. Below: the fee table, the BC rules and the funding timeline.
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Installment Loans Vancouver
Spread a move, a damage deposit or a first month on a Vancouver lease over fixed monthly payments.
Installment loans Vancouver lenders offer run from $500 to $10000, paid back in equal monthly payments over 3 to 60 months at 18% to 35% APR. At 30% APR, $2500 over 24 months is about $140 a month. This page has the payment tables, the Vancouver move-in bill as a worked case, and the point where installment beats payday.
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Bad Credit Loans Vancouver
Lenders look at deposits from the port, the hospitals or a Robson Street kitchen before an old score.
Bad credit loans Vancouver lenders offer are decided mainly on your pay deposits: payday loans of $100 to $1500 at up to $14 per $100, and installment loans of $500 to $10000 at 18% to 35% APR. A low score raises the rate and trims the first amount. This page shows what lenders read, and why they decline.
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E-Transfer Loans Vancouver
Send the form from the SeaBus or a basement suite and the money arrives by Interac.
E-transfer loans Vancouver lenders fund arrive by Interac e-transfer, usually within minutes of the lender pressing send once the agreement is signed. Payday amounts run $100 to $1500 at up to $14 per $100. What sets the clock is the time you sign, the lender's cutoff and whether autodeposit is on, and this page lays out each window.
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Personal Loans Vancouver
Unsecured money for a car repair after the wet season, a dental bill or a move across the bridge.
Personal loans Vancouver borrowers get from online lenders are unsecured, run from $500 to $10000, and cost 18% to 35% APR over terms of 3 to 60 months. Nothing is pledged, so the rate rests on your income and credit file. This page covers what sets the rate and term, and how a personal loan differs from payday.
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Choosing between them
A payday loan bridges one cheque to the next and is sized to a share of that cheque. An installment or personal loan spreads a larger cost over months. A bad credit page explains what a lender reads instead of a score. If you are unsure, the how it works page walks through the application, and the FAQ answers the questions that come up most.
