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Loans & Lines of Credit

Borrowing can be a great tool for your finances—from a personal loan to a line of credit.

Borrow for life's needs—and wants

From a new boat to unexpected expenses, explore borrowing options to meet everyone's needs at every stage of life.

  • Money when you need it
  • A personal loan for a one-off expense
  • A line of credit for ongoing access to funds

Rest easy knowing you can access funds when you need them


Personal Loans

For those more expensive purchases in life

Personal loans are there to help with your “every now and then” rather than your “everyday” purchases, such as a new car, ATV, or paying down debt.

  • Competitive interest rates on a fixed or variable basis
  • No penalties on extra payments or early payout
  • Flexible terms
  • Optional insurance for loan protection

Apply now Talk to an advisor

Line of credit

Personal Line of Credit

Give yourself a financial cushion

A line of credit gives you the freedom to access funds whenever you need them—at a lower borrowing rate to save you money.

  • Pay interest only on the amount you borrow
  • Fixed or variable rate of interest
  • Minimum monthly deposit required on outstanding balance
  • Low interest rate

Apply now Talk to an advisor

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Talk to an advisor

Chat through your options

Need a little expert advice? We can guide you through your borrowing options.

Make an appointment

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Buying a home? We can help

Let local decision-making and expert advice take the stress out of getting the home of your dreams.

Learn more

Reach us wherever you are

Let your fingers do the walking or come in to see us. 

Meet with an advisor

Book the day and time that suits you.

Visit a branch

We’re open between
9:30am & 4:30pm, M-F.

Send us an email

Email a specific branch or department.

Give us a call

8am-6pm, M-F,
9am-5pm, Sat.

Smithers Branch

3894 1st Avenue
PO Box 3729
Smithers, BC
V0J 2N0
250 847-3255
Hazeltons' Branch

4646 10th Avenue
PO Box 159
New Hazelton, BC
V0J 2J0
250 842-2255

Houston and District Branch

2365 Copeland Avenue
PO Box 1480
Houston, BC
V0J 1Z0
250 845-7117
Lakes District Branch

117-35 Lakeview Mall, Hwy 16
PO Box 1029
Burns Lake, BC
V0J 1E0
250 692-7761

1139 Main Street
PO Box 2380
Smithers, BC
V0J 2N0
866 811-1110

3894 1st Avenue
PO Box 3729
Smithers, BC
V0J 2N0
250 847-7936


3350 10th Street
PO Box 369
Houston, BC
V0J 1Z0
866 811-1115

2367 Copeland Avenue
PO Box 1480
Houston, BC
V0J 1Z0
250 845-7977

3872 1st Avenue
PO Box 3637
Smithers BC
V0J 2N0
250 847-7933
Member Services Contact Centre

3894 1st Avenue
Smithers BC
V0J 2N0
1 877 847-2828

Copyright © Bulkley Valley Credit Union, 2022