UPDATE: Google has deployed a fix which will resolve the incident, however there is a 24 hour cache on Android devices that may cause some members not to see the fix right away. Please clear your app cache as that will force a refresh and allow you to access the Android App once more.

Access issue with Android app: Please be advised that Google made a change that is affecting Android apps that use cert transparency and a specific library to read and load the file. Members who have not closed their apps will still be able to login, however fully closing and opening the app will cause a re-check of the cert file and cause the error to display. Members can use the desktop site in a mobile browser as a workaround until the issue has been resolved.

e-Transfer maintenance, (9pm Saturday, June 21st to 3 am Sunday, June 22nd): Interac will be performing scheduled maintenance which will affect the sending and receiving of e-Transfers between 11pm - 2am. Regular service will resume after 2am on Sunday, June 22. Thank you for your patience while the maintenance is in progress.

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

Lines of Credit

RRSP Loans

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.

Make an appointment

Start your personal loan application online today.

This application takes 5-10 minutes to complete. After you submit it, we'll contact you within two business days regarding next steps.

If you don't have time to complete your application today, you can save your progress and return to it later.

Start my application , opens in a new tab

Start your personal loan application online today.

This application takes 5-10 minutes to complete. After you submit it, we'll contact you within two business days regarding next steps.

If you don't have time to complete your application today, you can save your progress and return to it later.

Start my application

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.