Additional Types of PenFinancial Loans Offered:

STOCKING STUFFER LOAN

Take advantage of these Great Features of the Stocking Suffer Loan!

• Prime + 3%
• Borrow up to $5,000 per member
• No payment until January
• Lower finance charges than store credit cards
• Convenient payments: direct deposit, automatic transfer from your credit union account or pre-authorized payment
• Quick and easy application - apply by fax, mail, in person or on-line
• Fast
• Priority Processing

The Stocking Stuffer loan is the perfect alternative to using your credit cards or depleting your existing cash flow. Now you can buy gifts for all of your family members and have a simple low interest payment option.

It's Easy!
Simply complete the Stocking Stuffer application form and submit it no later than December 20th. Your Stocking Stuffer loan will be processed quickly so you can begin shopping right away. For even more convenience, ask about a MemberCard for access to your funds through virtually any ATM or through retailers displaying the Direct Payment logo.

OVER DRAFT PROTECTION

Have peace of mind with PENFINANCIAL OVERDRAFT PROTECTION.

An overdraft protection is an ongoing loan that allows you to borrow up to a pre-arranged limit, simply by writing a cheque or by using your MEMBER CARD through ATMs.

An OVERDRAFT PROTECTION is on your chequing account and you can apply for protection up to $1,000. The overdraft protection will use up everything in your chequing account first and then draw from the overdraft protection.
This is a wise money management move that can maximize your purchasing power.

PLATINUM LINE

PenFinancial's newest product is a credit line from $10,000 to $25,000. The Platinum Line is not for every member but it might suit your needs.

Features of the Platinum Line include:

• Prime based
• Secured or unsecured
• Repayment of interest only on the outstanding balance
• Auto payment transfers available
• Life insurance available
• Contact our PenFinancial loan expert for more information

RRSP LOANS

The RRSP loan is the perfect solution to your Retirement Savings dilemma. Too many Canadians are neglecting their retirement plans because they can't save for their RRSPs. With PenFinancial's RRSP loans, we've devised a simple, affordable way to get your Retirement Savings Plan started.

TAKE ADVANTAGE OF THESE GREAT FEATURES OF OUR RRSP LOAN!

• Borrow as much as you need
• No payment until May
• Convenient payments
• Payroll deduction or automatic payments from any account
• Quick and easy application
• Apply by fax, mail, in person or on-line
• Fast
• Requests processed the same day
• Offered at prime rate

It's Easy! Simply complete the RRSP loan application form and submit it before the RRSP deadline. Your RRSP loan will be processed quickly so you can invest in your RRSP right away.

CREDIT DISABILITY & CREDIT LIFE INSURANCE

Members can purchase insurance protection & have the peace of mind knowing that their PenFinancial Credit Union personal loan obligations will be covered in the event of death, permanent disability or illness.

Credit Disability Insurance (CDI) will make your payments for you when you are ill or disabled for a certain time period. Coverage can be for one applicant or both applicants.
Credit Life Insurance (CLI) will pay your outstanding loan balance in case of death or permanent disability for one or both applicants.
Discuss CDI and CLI insurance with our loan experts and gain peace of mind.