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Personal Loans
A personal loan is a great option to help you achieve your financial goals.
You may need some extra cash to purchase a new car, fund a home project, a wedding, to take a well-deserved vacation or consolidate debt. A personal loan is an easy solution.
Unsure of how much you’re able to borrow? Try out our Loan Calculator.
Features and Benefits
- Flexible terms ranging from 1 – 5 years.
- Flexible repayment options of monthly, semi-monthly, bi-weekly or weekly. Choose what suits your budget and we will deduct the payment automatically from your account.
- No penalty for extra payments or early repayment.
- Competitive variable or fixed rate interest rates.
- Optional Creditor Insurance to provide you with that extra peace of mind.
Loan Rates
Explore our loan rates.
Vehicle Loans
Thinking about buying a new or new-to-you car?
Before visiting a dealership, come to CUA for a pre-approved vehicle loan.
Benefits
- Getting pre-approved puts you in the driver's seat when negotiating price or comparing payments
- Having more purchasing power
- CUA has options for new or used vehicles
- Lower monthly payments and maximum flexibility, with some loans up to 8 years (96 months)
- Flexible repayment options of monthly, semi-monthly, bi-weekly or weekly. Choose what suits your budget and we will deduct the payment automatically from your account
- No penalties to pay off all or part of the loan at any time
- Competitive variable or fixed rate interest rates
- Optional Creditor Insurance to provide you with that extra peace of mind
Line of Credit
Access What You Need
A Line of Credit (LOC) maximizes your purchasing power while ensuring access to funds when needed, without waiting or arranging for a personal loan.
A CUA Line of Credit can help you be prepared for those unexpected emergencies, car repairs, major home appliances, a vacation, or investment opportunities. Interest rates are lower than most retail credit cards which could save you money.
Benefits
- Peace of mind - life and disability insurance available
- You control your own credit
- Enjoy flexibility with access to your funds any time, any day, anywhere
- Competitive interest rate
- Flexible repayment options of monthly, semi-monthly, bi-weekly or weekly. Choose what suits your budget and we will deduct the payment automatically from your account
- No annual fee
Loan Rates
Microloan Program
Small Loan. BIG Impact.
CUA's Microloan Program is a great way for individuals to access credit. Individuals on a journey to establish or rebuild their credit have found great success through this Program, in addition to borrowers who use the funds to invest in their careers with professional development or educational training.
Eligibility
To be eligible for a Microloan, you must be the age of majority (19 in Nova Scotia), reside within the Province of Nova Scotia and be either a Canadian citizen or a permanent resident of Canada.
Our Microloans place a greater emphasis on your character, vision for the future, commitment and ability. To find out more about eligibility, please connect with a member of the CUA team.
Loan Amounts & Repayments
- $500 - $1,000 - 12 months
- $1,001 - $2,000 - 18 months
- $2,001 - $3,000 - 24 months
- $3,001 - $4,000 - 30 months
- $4,001 - $5,000 - 36 months
Energy Efficiency Financing
Providing Nova Scotians with flexible, affordable financing.
Investing in energy-efficient upgrades for your home or business can result in long-term savings. With a variety of financing options available, CUA can help you be more energy efficient, improve your comfort, and ensure you have a positive impact on the environment.
Finance your project with CUA
CUA works directly with home and business owners who require financing up to $50,000* to complete energy efficiency upgrades including heat pumps, LED lighting solutions, solar panels, windows, insulation or other work required to maximize the impact of the upgrade.
*Additional financing options may be available for projects exceeding this amount.
A member of the CUA team will work with you to understand your project and how it fits within your current financial picture. Our goal is to put you and your home or business in the best possible position. Visit us in branch, contact us at 902.492.6500 or info@cua.com, or have a member of the CUA team contact you by completing the form on this page.
Resources
Consider starting your project by connecting with Efficiency Nova Scotia. They can provide you with:
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Information about rebates, incentives and financing
Green Partners
Looking for resources for your next project? Check out some of our partner businesses below.
Interested in becoming a green partner? Let's connect.
RRSP Borrowing
RRSP loans offered by CUA provide an opportunity for members to maximize their RRSP contribution.
RRSP loans*, with rates as low as prime (OAC), provide an opportunity for members to maximize their RRSP contribution. Take advantage of maximum tax benefits today while planning for future retirement.
RRSP Loans
Take advantage of unused carry-forward amounts or maximize a yearly contribution by borrowing with a CUA RRSP Catch-Up Loan, and take up to 10 years to repay. If you receive a tax refund, it could be used to:
- pay down the loan balance;
- make an early contribution for next year;
- spend at your leisure – the choice is yours.
Features
- Terms from 1-5 years with 10-year amortization period*
- Invest in products available through CUA
- Invest in Mutual Funds**
- Credit, life, critical illness and disability insurance available
- Minimum payments apply
*Conditions may apply. See in-branch for details.
RRSP Line of Credit
Additional Features
- Apply only once
- Make extra payments anytime, without penalty
- Flexible re-payment options available on outstanding loan balance
*Loan is due in full if transfer or redemption of RRSP is requested. Fixed deposits remain for the duration of the term following repayment of the loan. All lending is subject to credit approval within normal credit guidelines.
**Securities are offered through Qtrade Advisor, a division of Credential Qtrade Securities Inc., Member of the Canadian Investor Protection Fund. Mutual funds are offered through Qtrade Asset Management Inc., Member MFDA. Using borrowed money to finance the purchase of securities involves greater risk than using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of your purchase declines.