Notice to Members: Our banking system will be undergoing system maintenance from approximately 1:00 AM to 8:00 AM Sunday, November 3rd. We anticipate ATM, Interac Debit (POS) transactions to be impacted intermittently throughout the maintenance window, and Online Banking will be unavailable. We appreciate your patience during this scheduled update.

To provide an improved user experience, Interac e-Transfer email notifications now have an enhanced look and feel. Learn more.

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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

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.

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Renovations

Your LOC can be fully secured or unsecured
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Emergencies

With no administration or standby fees, the funds are there when you need them

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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.

 
 
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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.

 

Find the credit card to fit your lifestyle

From no fee to travel rewards, we have a full range of flexible credit card options to suit your needs.

Get a personalized financial checkup

Our experts will help you take control of your finances with genuine, actionable advice on how to maximize your money.

Bank your way, every day

Learn about online and mobile banking, ATMs, transfers, and more.