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LOANS

Personal Loans
Agriculture Loans
Commercial Loans
Revolving Line of Credit
Quick Loans
Government Agency Loans
Loan Insurance
Postponement of Payment

Personal Loans

Not able to come in for an appointment? Not from Spiritwood? No Problem. Fill out the forms below and fax them back to us. We will then contact you by phone, cell, or email and discuss your application.

Consumer Profile & Network Statement
FAX – (306) 883-2270

Agricultural Loans

Spiritwood is an agricultural based community. At Spiritwood Credit Union Limited, we understand the challenges that this industry faces and we are here to help you overcome these challenges.

Spiritwood Credit Union Limited offers a wide variety of agricultural products and services to help you meet those challenges and still maintain your lifestyle.

Commercial Loans

Is your goal to start your own business or expand an existing one? Spiritwood Credit Union Limited can help with your goals!

Revolving Line of Credit

An excellent way to arrange your personal, farm, and business short-term borrowing and operating needs. Cost effective overdraft protection with interest accruing only on your closing daily balance and paid at month end.

A maximum approved amount that can be borrowed based on your financial situation
Provides extra cash when you need it
Provides overdraft protection
One time application
Pay interest only on the amount and days used

Quick Loans

The Quick Loan is a one-time approved ongoing loan that allows you to access cash up to a pre-approved limit. You pay interest only on funds used and time used.

It offers you:

Competitive Rates – interest rates less than rates charged by credit cards or overdrafts
No Hassles – once approved you don’t need to reapply each time you need a loan, and you can prepay without penalty at any time
Flexibility – advance money when you need it by giving us a call
Choice – choose a payment option designed for your schedule and your budget

Government Agency Loans

Available as a FIMCLA for agriculture or CSBFP for commercial
Loans for purchase of agriculture and commercial assets
Loans are guaranteed by the Government of Canada
Available as a term loan
Terms match the loan purpose and income stream
Fixed rate terms from 1 to 10 years and variable interest rates

Loan Insurance

Credit Life Insurance

Loan life insurance is an economical financial safeguard that can pay your loan balance and relieve your spouse or family of the financial stress

Credit Disability Insurance

Available at low monthly premiums to make your loan payment should you become temporarily or permanently disabled through sickness or accident

Critical Illness Insurance

Provides a living benefit. Critical illness will pay off the insured loan upon diagnosis of Cancer, Stroke, or Heart Attack

Postponement of Payment

Short of Cash this month or need a holiday from your payments, come and see us in branch to make arrangements to discuss your application.

DEPOSITS LOANS WEALTH MANAGEMENT CARDS ELECTRONIC CALCULATORS COMMUNITY