That all depends on your preference. By choosing a line of credit attached to your chequing account, as long as you’re within your approved limit, you know that when you make purchases using your Member Card®, withdraw cash or write a cheque, you’ll be covered even if you have a negative balance in your account.
A Quick Loan is something you can use and repay as you need to. Once it’s set-up you can move money to your chequing account, credit card, or anywhere else you need to, simply through your online banking or the Affinity mobile app. It’s that easy.
Either way, with both options you have the peace of mind knowing that when you need that extra cash, you’re already approved.