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Mortgage, personal loan and line of credit
Compare loans across banks Compare interest rates and key loan terms from the latest public snapshot.
23 products
Current snapshot · 2026-08-24 Vancity Personal Loan
Interest rate 0%
Loan amount $1,000 minimum to $30,000 maximum
Term 12 to 120 months, or until the end of our agreement with our community partners BMO Line of Credit
Interest rate 0.5%
Credit limit Credit limits range from $1,000 up to $180,000 depending on your program and borrowing needs.
Security The actual rate is based on factors including how much you’re borrowing, your credit history, and whether you’re using collateral. Vancity Personal Loan
Interest rate 0.75%
Loan amount $3,500 to $50,000
Term Up to 15 years Vancity Mortgage
Interest rate 2%
Rate type Fixed
Term 6 months, 1 to 5 years, 7 years or 10 years Vancity Mortgage
Interest rate 2%
Rate type Customizable by each borrower; each person may choose a preferred interest-rate type
Term Customizable by each borrower Vancity Mortgage
Interest rate 2%
Rate type Fixed rate
Term 6 months to 5 years Scotiabank Mortgage
Interest rate 3.45%
Rate type Fixed or variable
Term Fixed rate terms as low as 6 months and as long as 10 years Vancity Mortgage
Interest rate 3.95%
Rate type Fixed term, variable rate
Term 5 years Vancity Mortgage
Interest rate 4.05%
Rate type Fixed-term fixed-rate insured
Term 5 years Manulife Bank of Canada Mortgage
Interest rate 4.45%
Rate type Variable rate, 5-year closed
Term 5-year closed Manulife Bank of Canada Mortgage
Interest rate 4.45%
Rate type Fixed and variable
Term 5-year closed; 5-year open representative terms; individual mortgage portions may have their own term CIBC Mortgage
Interest rate 4.59%
Rate type Variable
Term 3 or 5 year closed CIBC Mortgage
Interest rate 4.59%
Rate type fixed
Term 10 year Wealth One Bank of Canada Line of Credit
Interest rate 4.95%
Credit limit Minimum credit limit of $100,000; borrow up to 90% of the cash surrender value of the policy
Security Cash surrender value of a participating life insurance policy Manulife Bank of Canada Line of Credit
Interest rate 5.45%
Credit limit Credit limit options from $25,000 to $1,000,000 for Access Line of Credit Plus – Quick; the Max option has larger credit limits.
Security Unsecured Scotiabank Mortgage
Interest rate 5.95%
Rate type Fixed and variable
Term 5 years Laurentian Bank of Canada Line of Credit
Interest rate 6.7%
Credit limit Minimum amount: $1,500. Maximum amount: CEGEP and undergraduate students: $5,500 per year up to $20,000 for 4 years; graduate students: $30,000 for 5 years; specialized programs: $20,000 for overall studies.
Security STUDENT LINE OF CREDIT Vancity Mortgage
Interest rate 7.75%
Rate type variable
Term 5 years Vancity Line of Credit
Interest rate 17.75%
Credit limit Minimum limit $500; maximum limit $5,000.
Security Unsecured Vancity Personal Loan
Interest rate 19%
Loan amount $100 to $2,500
Term 1 to 2 years
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Laurentian Bank of Canada 1
Wealth One Bank of Canada 1