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Lines of Credit

Access flexible funds anytime with a Line of Credit—apply once, use whenever you need.

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Instant access to funds

Apply once and get access to funds whenever you need them.

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Flexible and convenient

Borrow what you need, when you need it—only pay interest on what you use.

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Clear and transparent

Stay informed with easy-to-read statements and no hidden fees.

A Line of Credit is an easy, cost-effective alternative to loans or credit cards

Apply once for a revolving credit line—secured or unsecured. Withdraw any amount up to your limit and only pay interest on what you use. Receive regular statements with account details.

 

Student Line of Credit 

If you're a student at an accredited Canadian university or college, our Student Line of Credit offers a low interest rate tailored for you. You only pay interest on the amount you use while you're in school and for one year after graduation or residency.

  • Low Interest Rate: Enjoy a rate specifically designed for students.
  • Pay Interest Only on What You Use: No interest until you borrow, and only on the amount you use.
  • Automatic Payments: Set up easy payments directly from your First Nations Bank branch. 
  • Convenient Access: Withdraw funds at any First Nations Bank branch, ATM, or anywhere with the Interac® symbol using your FNBC Access card.
  • Flexible Management: Access and manage your Line of Credit through telephone banking, Online Banking, or Mobile Banking.
You can spread your Student Line of Credit payments out (up to 20 years), making your monthly payments more manageable.

Pay off all or part of the Student Line of Credit at any time without penalty.
 

Home Equity Line of Credit 

Unlock the equity in your home to gain flexible access to funds at a low interest rate.

  • Pay Interest Only on What You Use: Only pay for the funds you borrow.
  • Flexible Repayment Options: Choose monthly payments as low as interest-only.
  • No Prepayment Fees: Pay off your balance at your own pace, without penalties.
 

Secured Line of Credit 

A secured Line of Credit is backed by an asset or collateral, giving you access to larger amounts of funds.

  • Assets for Security: Use a term deposit or bank account as collateral.
  • Larger Credit Limit: May offer access to more funds. 
  • Flexible Payments: Pay only the interest monthly if you prefer.
 

Unsecured Line of Credit 

Find out how an unsecured Line of Credit can offer quicker processing without the need for collateral, though it may come with higher interest rates.

  • No Collateral Needed: Enjoy a faster application process.
  • Higher Interest Rates: Typically higher than secured lines of credit.
  • Flexible Repayment: Pay 2% of the outstanding balance monthly. 

Ready to get started? Apply for your Line of Credit online today and access flexible funds when you need them.

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