Vancity Fair and Fast Loan™
Borrow $100–$2,500 at 19% interest, repay in 1–2 years, and qualify based on income—no credit check needed. Fast approval and flexible payment options.
The Vancity Fair and Fast Loan™ offers a quick and easy borrowing solution for those who need access to cash right away. With loan amounts ranging from $100 to $2,500, borrowers can enjoy a fixed interest rate of 19%, and terms from 1 to 2 years to repay their balance. Importantly, approval is based on income, so you do not need to worry about your credit score—there’s no credit check required.
This loan is especially attractive for individuals who may usually turn to payday lenders, providing a more affordable and responsible alternative. Members can apply online and, once approved, have funds deposited into their Vancity account in as little as ten minutes. Notably, starting January 15, 2026, members can have up to two active Fair and Fast Loans at once.
How to Apply for the Vancity Fair and Fast Loan™
- Log in to your Vancity online banking.
- Complete the online application—you’ll need proof of income.
- Choose your loan amount and your preferred repayment frequency.
- Receive a decision quickly, often in just a few minutes.
- Upon approval, funds are deposited directly into your account.
Advantages of the Vancity Fair and Fast Loan™
One of the main benefits is the transparent and affordable interest rate compared to payday loans. Flexible payments and no early repayment penalties provide borrowers with greater control over their finances.
With income-based approval, the Vancity Fair and Fast Loan™ is accessible to those with less-than-perfect credit. The quick application and funding process are ideal for emergency financial needs.
Considerations Before You Apply
The main limitation is that members are capped at two active Fair and Fast Loans at a time, effective January 15, 2026. Larger loans over $2,500 require different products.
Additionally, the 19% fixed rate is high relative to some personal loans, so it’s worth considering other options if you qualify elsewhere. Responsible borrowing remains key.
Nosso veredicto
Vancity Fair and Fast Loan™ stands out as a far better choice than costly payday lenders, especially for those seeking quick cash without a credit check. For anyone who needs money urgently and values flexible repayment, this is a compelling, member-friendly solution.
