Loans & Lines of Credit
From covering expenses to financing big goals, our loans and lines of credit are tailored to support your needs.
BORROW WITH CONFIDENCE
Your plans.
Your questions.
Your timeline.
Borrowing doesn’t have to start with an application.
Sometimes it starts with a conversation about what you’re planning, what questions you have, and what options might help you get there.
Whether you’re thinking about a vehicle, home improvements, managing existing debt, recreation, or something entirely on your own, we’re here to help you understand your options and decide what works for you.
Find the borrowing option for you
Line of Credit
Add an authorized overdraft to your chequing account to cover any unexpected expenses before payday. You only pay interest on amounts used, calculated on the minimum daily balance.
Quick Loan
Enjoy ongoing access to loan funds without the need to re-apply. Once you've paid your loan down, simply request more funds be re-advanced and deposited to your account of choice.
Term Loan
Borrow a lumpsum with a specific term and repayment schedule to help you fund any goal – be that a car, furniture, appliances or consolidating debt to lower your interest costs.
Dealer Financing
Conveniently finance a vehicle, RV, quad or boat right at the dealership – just ask for financing via Edam Credit Union or get pre-approved at our office. Available throughout Saskatchewan.
RRSP Loan
Take full advantage of your RRSP deduction limit, minimize the tax you pay and achieve the secure, comfortable retirement you dream about.
Education Loan
Get assistance covering the costs of post-secondary education. Students make interest-only payments while attending school, with a 6-month grace period after graduation.
What are you planning?
Big decisions can look different for everyone. You may already know exactly what you need, or you may simply have an idea you're starting to explore.
A vehicle
When it's time for something new or new to you.
Home improvements
From smaller updates to bigger renovation plans.
Recreation
For the moments that make time together a little more memorable.
Managing debt
Explore options that may help simplify your finances.
Life changes
Sometimes plans change, and your finances need to change with them.
Not sure which option fits? That's ok. You don't have to figure it out before talking with us.
You don’t need to have it all figured out.
You might know how much you need. You might still be working that out.
Either way, you can start by telling us what you’re planning. We can talk through your questions, explain the options available, and help you understand what may work for your situation.
No pressure to have all the answers before you start the conversation.
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Borrow with Confidence
Every big decision starts with a conversation.
Whether you're ready to take the next step or you're still considering what's possible,
we're here to answer questions and help you explore your options.
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Get a mortgage that flexes to fit your needs
No matter your needs, we offer the flexible, competitive mortgage options and expert support to help.
Find the credit card you need for the life you lead
We offer a range of credit cards to fit your lifestyle, from travel rewards and cash back to US dollar.
Loan Calculator
See how much you can afford to borrow and explore the payment options available to you.