Vancouver is Canada's least affordable city. Detached homes routinely exceed $2M. Mortgages dominate — broker competition is fierce. Vancity is Canada's largest CU and a major Vancouver lender. Strong newcomer + tech-sector borrowing. BC payday rules apply ($14/$100).
Click any product to see the lenders, rates, and how to apply in Vancouver.
All Big-6 + Vancity (largest CU in Canada) + Coast Capital + online lenders.
→easyfinancial has 12+ Vancouver branches. LoansCanada matches BC-licensed subprime.
→Mogo (HQ'd in Vancouver), Fairstone, easyfinancial.
→Avg consolidation: $19,500 — among highest in Canada.
→Big-6 + Vancity + Coast Capital. CU members get 0.25% better rates.
→Three ways homeowners in Vancouver access mortgage capital — from buying a first home to tapping equity at sub-5% rates.
Median home $1.28M. Nesto, True North, Pine, Homewise + every Big-6 + Vancity all serve Vancouver. Brokers save $5-10k over 5-year term vs Big-6.
→ Read moreBig-6 + Vancity at Prime + 0.50%. Vancouver homeowners average $220k HELOC balances.
→ Read moreAlpine + Fisgard. Sky-high equity makes 2nd mortgages popular.
→ Read moreWhen you need a loan built around what you're buying — not a generic personal loan.
Big-6 + dealer financing. ICBC mandatory insurance adds ~$2k/year to total cost.
StudentAidBC + private. UBC, SFU, BCIT, Langara major schools.
Highest newcomer population per capita in Canada. Vancity newcomer program is best-rated.
BDC + Big-6 + Vancity + Futurpreneur. Strong tech + startup ecosystem.
Vancouver falls under BC's $14 per $100 payday cap — tied with Ontario for the lowest in Canada. Licensed by Consumer Protection BC. Mandatory 2-day cooling-off. No rollovers.
Cost per $100 borrowed for 14 days
These aren't separate loan types — they're how the loans above get delivered. Same-day and e-Transfer "loans" are almost always payday or installment loans wired through Interac after approval. Listed for clarity.