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Lines of Credit & Personal Loans

Helping you realize your dreams

​We can help you realize your dreams

Competitive Rates

​Variable interest rate that adjusts with Tandia's Prime.


​Flexible Repayment Options

Monthly, weekly, bi-weekly, whatever suits your schedule.


​Convenient Payment Methods

Including AFT, auto-transfer or payroll deduction.

​Pay Extra or In Full Anytime

Pay a little more or in full with no interest penalty.

Personal Loans


Tandia aims to be the lender of choice among our members, offering attractive rates and convenient payment methods.  Among many features, our personal loans offer the following:

  • Competitive rates.
  • Flexible repayment options.
  • All loans open to early repayment with no penalty.
  • Life and disability insurance available and recommended.
  • Payment relief can be arranged during layoffs, strikes and leaves of absence (including parental).'
  • Special purpose' loans at great rates to meet your specific needs (i.e. computer, RRSP, education).
  • Interest rates on our personal loans are annual rates and are calculated on the declining loan balance.
Car Loans
RRSP Loans

A car loan from Tandia keeps you in the driver’s seat.

Let’s face it – whether you lease or borrow-to-own a car, it’s an expensive undertaking, plain and simple.  It’s not unusual to see a price-tag on a new car that’s as much as the cost of an average house only a generation ago.  The low monthly payments advertised with car leases can be appealing, but there’s more to leasing a car than the payments.  Anyone who is in the market for a new set of wheels should consider both the pro’s and con’s of leasing before ruling out borrowing-to-own.

Get started now

You can apply online, in-person at your branch or by phone - call our Member Solutions Centre at 1.800.598.2891.

A good reason to borrow

Just because you're short on cash right now doesn't mean you have to forfeit a financially healthy retirement.  Contributing to your RRSP on a regular basis will help build a significant nest egg over time. Our RRSP loan offers one of the best rates available, and your first payment can be deferred until May, typically when you receive your income tax refund and can use it to pay down your loan. 

  • Borrow up to $5,000
  • Repay over 2 years
  • First payment can be deferred until May
  • Lots of RRSP contribution room?  Ask about a "Catch Up" RRSP Loan.
  • Want to 'top-up' your RRSP contribution? Use an RRSP loan to increase your annual contribution by 40% or more and pay back your loan with your tax refund. 
  • Don't want to fill out an application every year?  Contact us about our new RRSP Line-of-Credit.

​Benefits of borrowing for your RRSP

  • Maximize your tax break.
  • Grown your investment with tax-free compounding.
  • Top-up unused RRSP contribution room from previous years.
  • Top-up this year's RRSP contribution.
  • Use your income tax refund to help pay down your loan.
  • Take up to two years to pay off your remaining balance. 

Get started now

You can apply online, in-person at your branch or by phone - call our Member Solutions Centre at 1.800.598.2891.

Good things happen when we share

Help us spread the word about Tandia to your family, friends and co-workers and we’ll reward both you and the person you refer with $25 cash*.