Personal Lending

Purpose Driven Lending Solutions

At Me-Dian Credit Union, we’re committed to providing personal lending solutions that work for you. Whether it’s a new vehicle, home renovations, or unexpected expenses, our solutions are designed to fit your life and your goals.

We take the time to understand your financial needs and provide honest, straightforward advice.
You’re more than a member. You’re our priority, and we’re here to guide you every step of the way.

Fresh Start Program

Rebuild your financial future with the Fresh Start Loan Program. Designed for members with past credit challenges, this program helps you restore your credit and take control of your finances.

Credit Restoration: Consolidates debts & collections into one manageable loan that fits your budget.
Improvement Timeline: When used correctly, credit improvement can be seen in as little as six months.
Path to Borrowing Again: Successful completion can help you qualify for traditional loans in the future.

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Credit Savings Plan

Start building your credit with loans up to $5,000 and a repayment plan that works for you. Whether you're new to credit or looking to rebuild, the Credit Savings Plan is designed to help you establish a strong financial foundation.

Credit-Building Focus: Loan activity is reported to the Credit Bureau to improve your credit score over time.
Savings Growth: Funds are held in a secured savings earning interest account until the loan is paid off.
Start Small, Think Big: Perfect for those without a credit history or looking to re-establish trust with lenders.

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Personal Loans

Whatever you're borrowing for, whether it's a new car, handling unexpected repairs, or simplifying your debt, our personal loans are designed with your unique needs in mind.

Versatile Uses: Ideal for larger purchases, debt consolidation, or emergency expenses.
Competitive Loan Rates: Affordable rates to help keep your payments manageable.
No Fees or Penalties: No application fees or penalties for paying off your loan early.
Flexible Repayment Terms: Tailored repayment schedules that fit your budget and lifestyle.
Optional Insurance Coverage: Protect your loan with life, critical illness, or disability insurance.

*A minimum of $2500 credit request is required

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Lines of Credit

Access funds when you need them most with a flexibile Me-Dian Line of Credit. Be prepared for life's unexpected challenges and opportunities.

Easy Access to Funds: Ideal for emergencies, home repairs, travel, or everyday cash flow needs.
Competitive Interest Rates: Save with rates designed to support your financial goals.
Pay Only for What You Use: Interest is charged only on the credit you access.
No Monthly Admin Fees: Keep your costs low with no recurring administration fees.
Optional Insurance Coverage: Protect your line of credit with life, critical illness, or disability insurance.

*A minimum of $2500 credit request is required

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Mortgages

Whether you've set a goal to purchase your first home or have outgrown an existing one, we can guide you every step of the way with a mortgage that fits your lifestyle and budget.

Flexible Mortgage Options: Available for owner-occupied homes, cottages, and revenue properties.
Competitive Fixed-Term Rates: Lock in affordable rates for 1 to 5 years.
Customizable Terms: Choose repayment options and amortization periods that work for you.
CMHC Approved Lender: Offering insured mortgage options through the Canada Mortgage & Housing Corporation.
Optional Insurance Coverage: Life, critical illness, disability, and loss-of-employment coverage available.

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