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Personal Loans

Apply for a loan to help you reach your goals, pay down debt, make a big purchase, and more.

Flexible loan options at competitive rates

A loan is a great way to cover unexpected expenses, buy a new car, consolidate debt or renovate your home.

Personal loans

Personal loan

Meet your borrowing needs, whether you’re purchasing a new vehicle, renovating your home, or simply consolodating all of your payments. Get the right loan at a competitive rate to meet your financial goals.

Key features
  • Specific monthly payment amounts
  • Flexible terms ranging from 1-5 years
  • Pay off in full with no penalty
  • Interest rate substantially lower than credit cards
Personal loans

RRSP loan

An effective way to fast-track your retirement savings and maximize your contributions. Annual RRSP contributions also help you reduce your yearly tax bill..

Key features
  • Interest rate lower than a personal loan
  • Available in 1- 2 year variable terms
  • Pay off in full with no penalty
Personal loans

Consolidation loan for student debt

Pay off your post-secondary education loan. If you have student loans from the government or other financial institutions, and have graduated and are currently employed, this loan helps you consolidate payments and reduce your interest.

Key features
  • Available from $ 5,000 to $ 50,000
  • Lower interest rate than other student loans
  • Maximum amortization of 60 months
  • Life and disability insurance available*
  • Parents are required to co-sign

DISCLAIMER: Payment protection coverage is optional and is underwritten and provided by CUMIS Life Insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements.

Loan Calculator

​Use the loan calculator to determine how much you’re able to borrow and what your repayment schedule might be.


Borrowing options: KCU lines of credit

An alternative to a personal loan, a line of credit gives you an on-going source of available funds. We have:

Explore Lines Of Credit

Borrowing options: KCU credit cards

An alternative to a loan, credit cards give you ongoing access to funds for everyday purchases and more.

View all credit cards

Banking with Khalsa

Free Chequing Account

Start with a free account that includes all the current digital banking tools.

Secure Mobile App

Download our app to manage your day-to-day banking from your smartphone. 

Access 4000+ ATMs

Free deposits and withdrawals at over 4,000 Ding-Free ATMs across Canada

Contact Khalsa Credit Union


Email Us

We’ll reply within same business day (if possible), or the next business day.

Book an Appointment

Request appointment time

We’ll reply within same business day (if possible), or the next business day.

Visit a Branch 

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