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Personal Loans

Installment Loans Without Penalties

 

Need a loan with an end date and a great rate? Borrow money to fund to a project, make a purchase, cover unexpected expenses, go to school, top up your RRSP, consolidate your debt, or to rebuild your credit. We’ll find you the right repayment term and best of all, you can pay down the principal or even pay off the entire lump sum anytime - all without penalty.

 

Use the handy loan calculator to help you determine the loan amount you can afford and the payment options that best suit your financial needs.

 

Calculate Affordability

 

More Member Perks

1

Personal Loan

Borrow money for today’s expense needs or tomorrow’s big dreams with competitive rates, fast and local approvals and flexible terms.

  • Competitive Rates
  • Payment on your terms: Weekly, bi-weekly, monthly, or a lump sum.
  • Pay off your loan in one lump sum anytime, without penalty.

2

Student Loan

Take charge of your student financing. If you’re a full-time or part-time student, a student loan can help you reach your education dreams.

  • Interest rate at Prime
  • Interest-only payments during school
  • 12-month grace period after graduation before required to pay down principal

3

RSP Loan

Maximize your RSP contributions with an RSP loan, RSP Top-up Loan or RSP Lines of Credit, our experienced and helpful team will help find the plan that’s right for you.

  • Competitive Rates
  • Payment on your terms: Weekly, bi-weekly, monthly, or a lump sum.
  • Pay off your loan in one lump sum anytime, without penalty.
4

Consolidation Loan

The Smart Move Loan combines your debt together to save you money. Consolidate your debt under a low interest loan with flexible repayment options and get debt free faster.

  • One bill, one payment.
  • Payment on your terms: Weekly, bi-weekly, monthly, or a lump sum.
  • Pay off your loan in one lump sum anytime, without penalty.

5

Rebuild Your Credit

Life can throw you curveballs and sometimes your credit can take a hit. You’ve got options. We’ll work with you to build a plan that gets you to your financial goals faster.

  • Plans to help you overcome financial obstacles
  • Payment on your terms: Weekly, bi-weekly, monthly, or a lump sum.
  • Pay off your loan in one lump sum anytime, without penalty.

Coming in for an appointment?

Make the most of our time together by ensuring that you have everything you need. You’ll want to bring:

  • Government issued Photo ID
  • Personal information including: Social Insurance Number(s), Occupation and Employer, Birthdate, full Civic or Legal/Land Address and Mailing Address if applicable and Phone Number
  • Detailed list of Assets (what you own) and Liabilities (what you owe) with Supporting Documents
  • Documents pertaining to Request for Funds (Purchase Agreements, Conditional Sales Agreements etc.)
  • Income Verification and Employment Information:
    • Letter(s) of Employment or 2 Recent Paystubs or 2 most recent Tax Years of CRA Notice of Assessment.

  • For Self-Employed individuals:
    • 2 most recent Tax Years of CRA Notice of Assessment and 2 years Business Financials

The Legal Stuff

*Terms and conditions apply. All credit products are subject to approval and First Calgary Financial lending criteria, fees and charges. All rates and products are subject to change without notice. The advice on our website is prepared without knowing your personal objectives, financial situation or needs. Before you act on this or any advice, please consider if it's right for you, and reach out to our teams to help determine if the product is appropriate for you.