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BC Licence #: 84559
BC Licence #: 84740

Personal Loans in British Columbia

For anyone who’s ever needed to face down an emergency expense, that feeling of stress can take over when you don’t have the savings to deal with it. But if you ever end up in a situation like this, a Line of Credit in British Columbia may be able to help!

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Applying for British Columbia Personal Loans

With its stunning beauty and vibrant culture, British Columbia has much to offer for anyone who passes through. British Columbia is home to Vancouver, one of Canada’s most diverse and bustling cities, surrounded by both the Pacific Ocean and beautiful mountain ranges alike. With attractions like Stanley Park, the Capilano Suspension Bridge, and more, it’s one of Canada’s most visited places.

No matter if you live in a large city like Vancouver or smaller one like Kelowna, Burnaby or Surrey, it’s essential for you to be prepared to deal with emergency expenses that may come your way. You’ll want to make sure you’re ready for things like car repairs, home repairs, and medical emergencies. If you don’t have enough savings to help you during your times of need, you might want to look into a line of credit in British Columbia.

How Does This Line of Credit Work?

With a Line of Credit in British Columbia from Fora, you could qualify for an online loan with a credit limit between $1,000 and $10,000.

The good news is that the personal loan application process with a Line of Credit from Fora is easy to work through and only takes minutes to complete.

If you feel like a British Columbia online loan could help you out in a tricky financial situation, applying for a Line of Credit online from Fora is painless! If your application is approved, you can have the comfort of knowing that when the need strikes, you can have a Line of Credit ready and waiting to help, as long as you have available credit3. On top of this, the money you draw can be in your bank account as soon as the same business day!

Note: A Line of Credit is a type of online loan. As a revolving credit product, you can request draws, repay and redraw as needed from your available credit.

Online Loan Summary

Credit Limit: $1,000 to $10,000
Loan Type: Line of Credit
Minimum Payment: Interest + Principal Contribution
Funding Time: Same Business Day2

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Why Choose a Personal Loan in British Columbia from Fora?

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Flexible Access to Cash

  • You can start your application online, whenever is most convenient to you.
  • Gain access to your approved credit limit for when you really need it3.
  • If your application is approved, get your requested funds as soon as the same business day.

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Dedicated Customer Service

  • Need assistance? Our Customer Service team is ready and waiting to help!
  • We’re here every day of the week to give you more information relating to the Line of Credit offered from Fora.
  • Reach us by phone or chat.

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Safe & Secure Borrowing

  • We use industry-standard practices to protect your data and privacy.
  • Trust your personal information is secure with our use of 256-bit Advanced Encryption Standard (AES-256).
  • Your secure online account will have the information you need regarding your Line of Credit.

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Details of the British Columbia Line of Credit

If you ever find yourself needing to deal with an emergency expense and you don’t have an emergency fund available, it might be smart to consider applying for a personal loan in British Columbia! What constitutes an emergency can vary from person to person, but common issues you might run into include things like unexpected car or home repairs.

If you’re looking to apply for a personal loan with Fora, click here to apply or call us at 1-888-899-3672 for more information.

Credit Limit

$1,000 to $10,000.

Making a Draw

You can choose to withdraw your available funds all in one go, or in smaller amounts from your available credit, as needed3.

If you request a draw, funds can be deposited into your bank account as soon as the same business day.

Cost

The annual interest rate for a Line of Credit from Fora starts as low as 19.9%5.

You only pay interest on what you draw, not your entire credit limit.

Repayment of the Online Loan in British Columbia

If you have an outstanding balance, you will need to make Minimum Payments which are typically due on your pay dates.

Each Minimum Payment includes:

  • Interest charged on your outstanding principal balance for each day of your billing cycle; and
  • A contribution towards your principal, based on your income frequency.

The exact amount of each Minimum Payment and the corresponding due date will be outlined in your statements.

Keep in mind that you always have the option of making additional payments without having to worry about prepayment penalties. You may log into your account to make a payment online using most debit or pre-paid cards or call 1-888-899-3672 to set up a payment.

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Frequently Asked Questions about Loans in British Columbia Online

To be eligible for a Line of Credit from Fora, you must (at minimum):

  • Be a Canadian citizen or permanent resident with a valid government-issued identification;
  • Be a resident of and legal age of majority in British Columbia;
  • Have an open and active personal bank account;
  • Have a consistent source of income;
  • Receive income through direct deposit; and
  • Have a valid contact number and an active email address.

Yes, you will need an open and active personal bank account to apply for this Line of Credit.

One of the great things about this online Line of Credit in British Columbia is that if you want to apply for one, there’ll be no need to make an appointment. It’s straightforward and easy to get started! Just click here and you can fill your application out in just minutes1.

If you need any more information, you can simply call us at 1-888-899-3672 and we’ll do our best to give you the information you need.

The Line of Credit from Fora is currently offered in Ontario, Alberta, New Brunswick, Newfoundland and Labrador, British Columbia, Nova Scotia, and Saskatchewan. There will be more provinces and territories operational in the future. Check back regularly to see if the Line of Credit online from Fora is available in your area.

At Fora, Credit Inclusion is Important to Us

Fora is proud to offer the flexibility of a Line of Credit and serve Canadians from different parts of the country. If you need some assistance with your Line of Credit or have any questions for us, don’t hesitate to email us at service@foracredit.ca. For more info, visit our general FAQs page.

1 Not all applications are approved. Duration of approval process may vary. Credit limits may vary and are subject to verification criteria.

2 If approved, any requested funds will typically be deposited into your bank account the same business day; timing of funding may vary. The date and time the funds are made available to you by your bank are subject to your bank’s policies. For specific funding cut-off times, click here.

3 You can request a draw at any time, so long as you have available credit, your account is in good standing, and you otherwise meet any criteria required to request draws from your account.

4 The exact impact of your Fora account activity to your credit score is unknown as your credit score is influenced by numerous contributing factors.

5 Actual rates may vary from 19.9% to 46.9% and are subject to eligibility, underwriting and creditworthiness.

6 The Fora Payment Protection Plan includes coverage against Involuntary Unemployment, Disability, Critical Illness and Death and Dismemberment. For full details regarding coverage, please review the Certificate of Insurance.

Contact Us

 

1-888-899-FORA

PO Box 17071, Toronto,
RPO Yonge-King, ON M5E 1Y2

Fora Credit

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