What do I need to know about applying for a Fair & Fast loan?

Applying for a Vancity Fair & Fast loan is a quick and convenient way to get access to funds or to cover unexpected expenses up to $2500. If you’re looking for a higher amount or if your situation changes, we recommend that you contact our Member Services Centre to have the loan and your financial situation reviewed, as there may be different options available to you.

How to qualify

Yes, you may qualify for an additional loan, depending on your income deposits and your current outstanding loan balance. You must make at least one scheduled payment to an existing online loan, before you can apply for a new one.

How to apply

Currently, we don’t have the ability to provide insurance quotes, enrollment or waivers online. If you would like to discuss your insurance options, please do not complete an online application and call our Member Services Centre (MSC).

Questions about my existing loan

We only charge interest based on the length of the outstanding loan. It is prorated to the number of days that the loan is held. So, if the loan is paid off early, then the overall cost of the loan will be reduced.

Note: Due to residual interest (interest accumulated from the date of your last statement to the current date), the loan does not close automatically if you pay off what you see online as the full balance. If you would like to pay off and close the loan, please call our Member Services Centre (MSC) to get the full payout amount and close the loan.


Based on the information provided, the system has determined you are not eligible for this product however you may still be eligible for other loans we provide.    Please contact our Member Services Centre (MSC) to find out more.

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