TD Helps provides financial relief in uncertain times

Financially impacted by COVID-19? Let's find a solution together.

In response to the evolving COVID-19 situation, we’ve taken proactive measures to further support our customers, colleagues and communities financially. If you have been directly impacted by COVID-19 and are facing financial challenges, talk to us about our TD Helps relief offering. You'll have a lot on your mind, and we want to be there for you. Here’s how:

Online CRA Direct Deposit Enrollment is here.

Sign up online for direct deposit to receive payments from Canada Revenue Agency (CRA) including the new Canada Emergency Response Benefit and the Canada Emergency Student Benefit.

Mortgage and TD Home Equity FlexLine Term Portion payment deferral

Mortgage Payment Deferral

If you are experiencing financial hardship, you can request to defer the equivalent of up to 6 monthly payments.

By deferring payments, you are not paying the mortgage principal and interest will be capitalized (i.e. added to the outstanding mortgage balance so your balance will increase). To understand the potential impact to a mortgage, visit the Mortgage Payment Deferral Impact Calculator.

Learn more about your mortgage deferral options.

You’ll first be directed to the EasyWeb login page. If you are not currently registered for EasyWeb, register online today.

If you have Credit Protection insurance, you may request to defer your premium charges, separately. See below for details.

Apply now

TD Home Equity FlexLine Term Portion Payment Deferral

If you are experiencing financial hardship, you can request to defer up to 6 months of principal payments on your Term Portion(s).

By deferring payments, you are not paying principal or interest. This means that the principal won't decrease and interest will accrue (but won't be capitalized—interest is not charged on interest). At the end of your deferral period, your balance will be larger, the amortization period will be longer and you'll pay more interest over time. It's important that you understand the impact.

To request a payment deferral, click the Request Now button below. If you are not currently registered for EasyWeb, register online today.

If you have Credit Protection insurance, you may request to defer your premium charges, separately. See below for details.

Request now

Deferral of Credit Protection Insurance Premium Charges on your Mortgage or TD Home Equity FlexLine

If you are facing financial hardship due to COVID-19, you can request to defer your Credit Protection insurance premium charges for up to six months while maintaining your coverage. You will be required to pay back all deferred premiums within one year of the deferral period end date. It's important you understand this impact.

Click "Request now" below to begin. You’ll first be directed to the EasyWeb login page. If you are not currently registered for EasyWeb, register online today.

To learn more visit our FAQ page.


Personal Loan and Line of Credit Payment Deferrals

If you’re experiencing financial hardship due to COVID-19, you can request to defer principal payments on your loan or line of credit. You’ll still have to pay the interest amount, one business day prior to your regular payment date. It’s important to understand that deferring payments means it will take longer to pay off your loan or line of credit.

If you have Credit Protection insurance, you may request to defer your premium charges, separately. See below for details.

Personal Loan Payment Deferral

You can request to defer payments up to 4 months. Please have your Loan account number and Loan number handy. Both are found in the liabilities section of your EasyWeb Accounts page.

Apply now

Personal Line of Credit Fixed Rate Advantage Option Payment Deferral

If you’re experiencing financial hardship due to COVID-19, you can request to defer the principal payments on the Fixed Rate Advantage Option on your Line of Credit, for up to 4 months. You’ll still have to pay the interest amount, one business day prior to your regular payment date. It is also important to understand that by deferring payments it will take longer to pay down the principal of your Fixed Rate Advantage Option.
Apply now

Deferral of Credit Protection Insurance Premium Charges on your Personal Line of Credit or Personal Loan

If you are facing financial hardship due to COVID-19, you can request to defer your Credit Protection insurance premium charges for up to four months while maintaining your coverage. You will be required to pay back all deferred premiums within one year of the deferral period end date. It's important you understand this impact.

Click "Request now" below to begin. You’ll first be directed to the EasyWeb login page. If you are not currently registered for EasyWeb, register online today.

To learn more visit our FAQ page.


Credit Card Payment Deferral and Interest Rate Relief Option

If your ability to pay your TD credit card has been directly impacted as a result of COVID-19, we are making the following options available to you. If you are in need of immediate relief, consider requesting a Minimum Payment Deferral option first followed by, if required, the Credit Card Interest Rate Relief option. If you would like to request both options, you must submit separate requests.

Minimum Payment Deferral option

This option may allow you to defer your minimum payment for 3 months. If you choose to defer your payments, interest will continue to accrue on your outstanding balance as set out in your Cardholder Agreement and Disclosure Statement and will be payable once the deferral period is over. It's important that you understand the impact. To learn more visit our FAQ page.

Request Now

Credit Card Interest Rate Relief option

If you are directly impacted by COVID-19 and qualify, TD will credit you 50% of the interest charged for 3 months. You will receive this in the form of an interest credit on your statements. To learn more visit our FAQ page.

Request Now

Consumer Loans with TD Auto Finance

Request a payment deferral of up to the equivalent of two monthly payments, for loans financed by TD Auto Finance through a dealership. Please note that by deferring loan payments your term and amortization will be extended and deferred payments will be payable at the end of the term with accrued interest. It is important that you understand this impact.
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