Personal Financial Power with a Line of Credit
Take control of your borrowing with a flexible line of credit designed to give you access when you need it. With Blue Copper Capital, you can start small and build your limit over time while working toward stronger financial habits.
Choose the Line of Credit That Fits You:
- Club Lite – Line of Credit up to $500
- Club Blue – Line of Credit up to $2,500
- Club Copper – Line of Credit up to $5,000
Guaranteed Approval Start – $150*
*Conditions apply
Have questions or want to learn more about which option is right for you? Contact us to speak with our teams in Calgary, Edmonton, and British Columbia.
Compare the Costs. Harness the Savings!
| Pay Back Day | Payday Loans | Blue Copper Line of Credit |
| Day 0 | $1000 Loan | $1000 Loan |
| Day 5 | $140.00 | $5.00 |
| Day 14 | $140.00 | $14.00 |
| Day 31 | $140.00 | $31.00 |
| Day 42 | $140.00 | $42.00 |
Line of Credit Benefits
Simple, Fair Interest
Approximately $0.10 per day per $100 borrowed. Non-compounding interest keeps costs predictable.
Build Better Money Habits
Access 1-on-1 support and group financial education sessions designed to help you manage money with confidence.
Perks & Promotions
Club members may receive access to special promotions such as movie passes, event tickets, and savings opportunities on everyday expenses.
Fast Access & Flexibility
Once approved, access your funds when you need them without having to reapply.
Easy Payments
Minimum payments are automatically withdrawn to cover interest and maintenance fees, helping keep you on track.
Stay in Control
Pay down your principal anytime. You decide how and when to repay.
Blue Copper Line of Credit: Get Started Today
Monthly fees start as low as $6 per month.
Ready to get started? Apply for your line of credit and see your options with no pressure to proceed. On approval, you decide whether it’s right for you; there is no cost or obligation to continue. If you choose not to move forward, you can simply opt out.
Line of Credit & Personal Loan FAQs
We lend in British Columbia and Alberta. See our chart below for what services we offer in each location, or <span style="font-weight: 400;">contact u</span>s for more information about which services we offer.
| Location | Payday Loan | Personal/Term Loans | Line of Credit |
| British Columbia | Not Available | Available | Available |
| Alberta | Available | Available | Available |
We don’t do a credit check for payday loans.
Absolutely! Many of our customers start out with a small loan and, after establishing a loan history, they move into lines of credit, term loans, auto loans, or consolidation loans. Our business was built on our personal relationships with our clients, and we review every loan application individually.Â
A good payday loan history is a great start and helps us approve you for larger or longer-term loans.
Payday loans only appear if you default. Both our Personal Loans and Lines of Credit get reported. This is a huge bonus, and a customer can see a credit score increase of 100 to 150 points just by repaying on time. Â
Factors that influence credit score are:
- Payment History 35% of the score
- Utilization 30% of the score
- Length of Credit History 15% of the score
- Type of Credit Products 10% of the score
- Inquiry Segment 10% of the score
A line of credit is available to anyone interested in better loan rates. If you frequently use payday loans for your personal or business life, a line of credit is likely a great fit for you.
Yes, eligible customers may receive preferred rates as well as more flexible loan terms depending on their credit profile and borrowing history.Â
Our Services for Flexible Borrowing
The Blue Copper Difference
What sets Blue Copper Capital apart is how we approach lending, with clarity, respect, and a focus on what works for you.
People
First
It’s not just about the loan. We take the time to understand your situation and the person behind the application. You’ll get clear explanations, honest answers, and support at every step so you know exactly what you’re signing up for. Whether you’re covering an unexpected expense or managing cash flow, we’re here to help you make a confident decision.
A Better Way to Borrow
Our line of credit is designed for people who want more flexibility and fewer setbacks. If you’ve found yourself relying on payday loans in the past, this offers a more stable option. You can benefit from better rates, more flexible terms, and access to helpful resources, such as money management tips and client perks.
Built for Long-Term Relationships
We may offer short-term loans, but our goal is to build long-term trust. Many of our clients are individuals and business owners who continue to work with us because the process is clear and consistent. We’ve seen how the right support, even in smaller amounts, can make a meaningful difference over time.
Real Experiences, Real Feedback
We’re proud of the relationships we’ve built and the trust our clients place in us. Here’s what people across Alberta and British Columbia have to say about working with Blue Copper Capital.
What a customer service by Carolynn her communication was clear and friendly i would suggest everyone to be assisted by carolynn
Anatola Mhoamed
the personal service was good, timely responses too emails, clear isntruction
Mark
The experience with Paula and Carolynn has always been professional, personal and speedy. Appreciate all their help!
Patricia Darlington
How Do I Apply for a Loan?
In Person
Visit us in person at our Calgary or Edmonton location for an extra personal touch.
Online
If you need a loan that’s quick and easy, we’ve got you covered. Our online application tool makes applying for a loan simple and convenient.
Call Us If You Have Any Questions Before Applying
Give us a call, and one of our team members will walk you through the application process. Even from the comfort of your own home, we’re here to help.
Our Locations in Calgary, Edmonton, & British Columbia
Our SW Calgary Office
We’re conveniently located on Macleod Trail, just across the street from the north entrance of Chinook Mall. We are located on the second floor!
Where to Park
Free parking is available outside our office. We’re also walking distance from Chinook train station.
Our Address
- #203A, 5809 Macleod Trail SW
- Calgary, AB T2H 0J9
Contact Information
- Phone: 403-250-0232
Hours of Operation
*Closed on All Statutory Holidays
Our Edmonton Office
We’re conveniently located just off 87 Street northwest in the Commerce South Office Park.
Where to Park
There is parking available outside the building.
Our Address
- #200, 4803 87 Street NW
- Edmonton, AB T6E 0V3
Contact Information
- Phone: 780-918-4925
Hours of Operation
*Closed on All Statutory Holidays
Our British Columbia Team
Our virtual team in British Columbia is ready to help you with all your loan and line-of-credit needs. Call us or fill out our contact form to get started.
Our Address
- Online
- Vancouver, BC
Contact Information
- Phone: 778-874-9564
Hours of Operation
*Closed on All Statutory Holidays
Our Simple Loan
Application Process
1. Apply: Complete your application online or in person with a few key details.
2. We Review: We confirm receipt and reach out if we need anything else.
3. Get Your Offer: We’ll review your loan options with you, including rates and terms.
4. Make an Informed Decision: Take the time to review everything and decide what works for you.
5. Sign and Receive Funds: Complete your paperwork electronically or in person, then receive your funds in your preferred way.
Let’s Find the Right Option Together
Not sure about interest rates, repayment timelines, or whether a payday loan is the right fit? We’ll walk you through it and help you clearly understand your options.
Short-term loans can help when timing matters, and we believe you should have all the information up front. Some conditions apply, and we’ll make sure you know exactly what to expect.
At Blue Copper Capital, we focus on more than lending. We’re here to support you today and help you build a better path forward when you’re ready.
Call us to speak with a team member about your options.
Contact UsReady to Apply?
Questions?
Tired of Payday Loans? Get a Line of Credit
A line of credit is a solution for borrowers who are consistently repaying payday loans. Additionally, a line of credit is an excellent option for business owners who need quick access to capital.
Once you get a line of credit with us, you’ll get discounted rates and more flexible terms on every loan you take out. Members also receive free money management tools and tips, as well as access to exclusive events and gifts.
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