Ways You Can Borrow

As your needs are always changing, we stay focused on helping you reach your financial goals. Lakeland Credit Union offers a diverse range of borrowing products for members with competitive rates and a profit-sharing program you won’t see at any big bank. Whether you’re looking for an authorized overdraft on your chequing account, a mortgage or anything in between, our personal lenders will find the right products for you, with a payment schedule that works in your favour.

We work with members to ensure they can take advantage of the best possible lending rates with terms that are affordable, flexible and suit their individual needs and lifestyle.

Services available:

Lenders may consider your credit score as a factor in determining your loan rate and eligibility. Do you know your credit score and the factors affecting it?

Your payment history, the amount you owe, the length of your credit history, the types of credit you use, and any recently acquired credit may all be elements that credit scoring companies take into account when calculating your credit score. Did you know, for example, that repeated credit checks in a short period (e.g. applying for several credit cards or loans at once) can often have a negative effect on your credit score?

Credit reporting agencies may present your credit score in a number of ways.  Some agencies rate it on a scale of 1-9, where 1 is paid in full on time and 9 is never paid, and others use a payment chart or a payment scale.

LCU checks credit scores through Equifax. Checking your credit score and report yourself once or twice a year on the Equifax site (charges apply) can help you know your eligibility and spot early signs of ID theft and inaccuracies.

Please contact us if you have any questions or want to become a member.


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