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Personal loans

A personal loan from G&F can help you reach your goals. 

Whether it’s to handle unexpected expenses or help with a big purchase, G&F can help you determine your needs, payments and borrowing options. 



Competitive interest rates on fixed or variable rates


Flexible repayment options - monthly, bi-weekly or weekly


No penalties on repayment or early payouts


Credit, life and disability insurance available

Determine your credit needs.

Before you commit to credit, it's a good idea to discuss your entire financial situation with an expert and determine how much credit you can realistically afford. 

Legal 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.


Apply for a personal loan from G&F.

Our application form takes 5-10 minutes. After you submit it, we'll contact you within two business days to talk about your next steps.

Realize the full potential of your RRSP with a RRSP loan.

A good option with exceptional rates to help you maximize your annual contribution, or top up unused contribution room from past years. Ask our money advisors if this is the right choice for you.



Maximize your RRSP and term deposit contributions


Receive tax benefits and earn interest right away


Get exceptional interest rates on RRSP loans


Catch up on your RRSP contribution room with a competitive RRSP term loan for up to 10 years

Apply for a RRSP loan from G&F.

​The application form is used to gather preliminary information only. To complete the application process, you'll need to visit one of our branches in person. Alternatively, you can email for more information or to get help with your application.

Personal line of credit

A line of credit is a revolving loan that lets you borrow up to a certain approved limit. You only pay interest on the amount that you have used and the interest rates are generally lower than what you'll pay with a credit card.

You may want to set up a line of credit so you are prepared for emergencies, or you may want to pay off a higher interest credit card. A line of credit can also offer you protection against overdrawn accounts.

Enjoy flexible borrowing with these features


Pay interest only on the money you use, and for the amount of time you use it


Get lower interest rates than credit cards


Flexible repayment options


Get protection against overdrawn accounts

Apply for a personal line of credit from G&F.

The application takes 5-10 minutes to complete. After you submit it, we'll contact you within two business days to talk about your next steps.

​Home equity line of credit

Borrow anytime against the value of your home


Unexpected expenses

Be prepared for unforeseen events and costs.


Home renovations

Upgrade your kitchen or finish your basement.


Recreation and travel

Fund your fun whether you fish, snowboard, or mountain bike.


Home renovations

Combine all of your debt into one manageable payment.

A revolving fund you can borrow from anytime

Access up to 65% of your home’s value to fund large or unexpected purchases. Use your Home Equity Line of Credit (HELOC) to help run your home smoothly. Whether you need to upgrade your kitchen, replace a leaky roof, pay off a credit card, or fund a Hawaiian holiday, your home equity line of credit is there when you need it.

Flexible options

  • Anytime access
    Borrow on your schedule with no set term length
  • Pay interest only when you borrow
    Interest is only charged on the amount you borrow
  • Payment frequency
    Make a minimum monthly payment, plus additional payments anytime


  • Secured against your home’s equity
    Get approved faster and get a better interest rate with a secured line of credit
  • Lower interest rates
    Based on your situation, the variable interest rate can be much lower than a credit card
  • Quick and easy application process
    Fill out an application online and we’ll contact you to complete the process

Member stories

The Gills’ home renovation made room for baby #3

Rick and Rachel Gill fell in love with their 3-bedroom home as soon as they saw it. It was a perfect fit for their family of four, until their third child arrived and they needed another bedroom. Not wanting to move, they enlisted the help of Aldergrove Credit Union to finance their renovation with a home equity line of credit. With the addition of a fourth bedroom, they fell in love with their forever home all over again.

More line of credit features


Made to fit

Make payments only on what you borrow


Pay your line of credit off any time

Make payments any time with no penalty and save on interest


Payment protection

Get insurance to cover your payments in case of the unexpected


Apply for a home equity line of credit from G&F.

The application takes 5-10 minutes to complete. After you submit it, we'll contact you within two business days to talk about your next steps.


Personal credit cards

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​Want to meet in person?

Drop by a G&F branch near you. We're here to help!