Personal Loans

Personal Loans

Personal loans are available for a wide range of purposes: the purchase of a vehicle, education, home renovations and improvements, the list goes on and on. Let us help you with your needs.


  • Flexible term lengths
  • Competitive fixed or variable rates
  • Single or joint coverage is available for life and disability insurance
  • Automatic payments from your chequing/savings available
  • Repayments are structured to meet your needs: weekly, bi-weekly, semi-monthly, monthly, etc.
  • All personal loans can be prepaid at any time without penalty
  • All activity is recorded on your monthly statement
  • Easy to apply

Click here to use the loan calculator.

Line of Credit

With a Line of Credit enjoy immediate access to pre-approved funds whenever you want, once approved there is no need to apply every time you require extra funds. The line of credit may be used as an emergency cash fund, overdraft protection or for periodic large cash requirements.


  • Easy to apply
  • Overdraft protection up to a pre-authorized limit
  • Interest much lower than credit cards
  • If you don’t use it you don’t pay interest
  • Interest is calculated only on the negative balance in your account on a daily basis, charged monthly
  • Funds can be accessed by writing a cheque, using your MemberCard, or withdrawing funds in person on the connected chequing account

Click here to for the loan calculator.


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Vanguard Credit Union is a full-service financial institution with branches in Binscarth, Birtle, Brandon, Hamiota, Kenton, Miniota, Oak Lake, Oak River, Rossburn, Russell, and St. Lazare.

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