PERSONAL LOANS
Whether you’d like to consolidate debt, pay for renovations, make a big purchase, invest in an RRSP, cover education costs or even rebuild your credit, a personal loan is an ideal solution. We can help get you the money you need with repayment plans that fit your budget. Plus, when you get a personal loan from us, you benefit from our ProfitShares rewards program.
Personal Term Loan
Everyone needs a hand sometimes. Whether it’s to make a big purchase, take a dream vacation or consolidate debt, a personal loan can be an ideal way to reach your goals. We can help with a personal term loan that offers structured payments and the flexibility to meet your budget. Our personal term loans also offer:
- competitive rates
- variable or fixed rates
- no prepayment penalty
- payment protection options
- ProfitShares rewards

Finding the loan that's right for you
Personal Quick Loan
Once approved for a Synergy Personal Quick Loan, you can use the money as you need to. Then, as you pay down the loan, you can re-advance funds up to your credit limit without having to apply again. You also only pay interest on the outstanding balance of the loan, not the whole amount. This flexible loan also offers:
- a choice of blended (principal plus interest) or interest-only payment option
- the ability to use collateral to get an even better rate
- variable rates
- no prepayment penalty
- payment protection options
- ProfitShares rewards

How do consumer loans work?
Personal Line of Credit
- competitive rates
- payment protection options
- ProfitShares rewards

What can I do to improve my credit score?
Education Loan
- six months of interest-only payments post-graduation
- repayment plans of up to 10 years
- variable rate that’s available post-graduation or at the end of your studies
- no prepayment penalty
- payment protection options
- ProfitShares rewards

Have questions about student loans?
Vehicle Loan (Dealer Financing)
- flexible repayment plans that fit your budget
- no prepayment penalty
- fast, local approval
- competitive rates
- payment protection options
- ProfitShares rewards is a great perk for being a member

To Lease or To Finance: That is the Question!
CU TAKE TEN® RRSP LOAN
- a repayment schedule with payments as low as $100 per month
- no prepayment penalty
- competitive fixed or variable rates
- terms of up to 10 years
- ProfitShares rewards

Is it ever too late to start planning for retirement?
Is it ever too late to start planning for retirement?
Synergy experts live and work in your community, so they understand your unique challenges and opportunities. These local experts have the skills and training to tailor innovative borrowing solutions to your financial needs.
- pay stubs for the past 3 months
- a letter from your employer verifying position and pay OR
- your most recent Notice of Assessment
- your employer's legal address
- current list of assets with approximate amount or value of the assets
- current list of liabilities, including:
- current balance
- payment amount
- authorized limit for credit card or line of credit, if applicable
- direct deposit information