Personal loans
Whether you need a loan to purchase a new car, consolidate your debt or to top off your RSPs, we’ve got you covered.

We offer several types of loans, all with competitive rates and a quick, easy application process. Just sign up online in minutes or visit your local branch.

Types of Loans

Vehicle Loans made easy!

Our Vehicle Loan is the perfect way to make buying your next vehicle a smooth and easy ride.

Key Features

  • Guarantee of a competitive rate
  • Flexibility of being able to purchase your vehicle privately or at a dealership
  • Pre-approved loan amount (OAC*) good for 90 days
  • Smooth application and payment process
Consolidate your debt!

A personal loan is a great way to consolidate all your debts in one place, at one low rate.

Key Features 

  • Guarantee of a competitive rate
  • Great way to pay off credit cards
  • It can help you reduce your monthly payments
  • It can help you pay down your debt faster
Top up your RSP!

Got a little extra RSP contribution room? Don’t miss out on that tax refund with an RSP Loan.

Key Features 

  • Maximize your tax refund
  • Preferred interest rate when you purchase an investment product
  • Allows you to put money away for retirement
  • Option to use your tax refund to pay down the loan

Mortgage Rates

3-year fixed rate

Interest

5-year fixed rate

Interest

Meet our Lenders!

Financial Services Officers

Aprile Buck

Contact Aprile directly at aprile.buck@encompasscu.ca or her direct line at 780-842-1712

Deb Fischer

Contact Deb directly at deb.fischer@encompasscu.ca or her direct line at 780-842-1790

Damien Marshall

Contact Damien directly at damien.marshall@encompasscu.ca or him direct line at 780-842-1778

Bundle and get a 

$50 pre-paid Aura Card

Refer someone to apply online for a Personal Line of Credit and an eChoice Spending Account, and you'll receive a special $50 pre-paid Aura loyalty card that you can use anywhere a debit or credit card is accepted. The Aura loyalty app has all kinds of discounts and offers to help save you money!
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