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​Loans and Credit Lines

Flexible financing when you need it most 

If you need to pay for school, consolidate debt, or borrow some last minute funds to top up your RRSP contribution, our flexible financing solutions are available for when you need them most.

What type of loan do you need?

Personal Loan - old

Overview

Get the funds you need now, and handle debt comfortably. Payments can be structured to suit your cash flow. 

Great For:
  • Repay all or part of the loan any time, without penalty.

  • Save money by making payments more often to cut interest costs.

  • Secures loans can access a better interest rate and larger loan amounts. 

  • Choose fixed or variable interest rate.

  • Choose your payment frequency.

  • Set the term for repayment.

RRSP Loan

Overview

Make a RRSP contribution or catch up on missed contribution room from past years.

Great For:
  • Making a contribution to your RRSP to maximize your tax refund

What type of credit line do you need?

Personal Line of Credit - old

Overview

Set up a reserve of funds that you can draw upon quickly and conveniently and pay interest only on the money you do use. 

Great For:
  • Offered as a secured or unsecured line.

  • Secured lines offer better interest rates and higher credit limits.  

  • No monthly fees. Pay only the interest when you use the line. 

  • No need to reapply each time you borrow. 

  • No fixed repayment period.

  • Interest charges are calculated as a per cent above the prime rate.

Home Equity Line of Credit (HELOC)

Overview

If you've built up equity in your home, you may be eligible for a secured home equity line of credit. 

Great For:
  • Large investments such as property.

  • Benefiting from a strong real estate market.

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Need a hand?

Meet with one of our Lending Specialists. They'll be happy to guide you through every step of the borrowing process.

Loan Calculator

Our nifty loan calculator will crunch the numbers to estimate your payments, determine when you'll be paid off and more.

Helpful articles and resources

Loan or Credit Line: What to choose?

People often get loans and credit lines confused. Find out which makes sense for you.

Create a Winning Budget

Keep your spending in line with these helpful budgeting tips.

When should I take out a HELOC?

Consider these 4 things before applying for a home equity loan.