Loans, Lines of Credit and Overdraft Protection

A flexible way to borrow

• Use it for home renovations or making large purchases
• Borrow between $5000 - $50,000
• Apply once for a credit limit that you can continue to use and re-use with a flexible repayment plan¹

Borrow only what you need now, for what you want

• Use it for large purchases or consolidating debt
• Borrow between $5000-$50,000
• We’ll help create a payment schedule that fits your budget

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A flexible way to fund your school expenses

• Pay for expenses such as tuition, books and living at competitive interest rates
• Apply once for a credit limit that you can continue to use and re-use¹ while in school²
• Interest-only monthly payments while in school and for 24 months after you leave school

A safety net for your everyday transactions

• Ideal for those who have numerous monthly shortfalls in their chequing account
• Avoid declined transactions, late bill payment charges or NSF fees for $5 per month⁶ plus 21% interest per year on overdrawn amount
• Provides coverage between $300 - $5000

Be ready to manage the unexpected
(Not available on accounts in Quebec)

• Ideal for those who only have occasional need for overdraft protection coverage
• Avoid declined transactions, late bill payment charges or NSF fees for $5 per use with a maximum of $5 per day plus 21% interest per year on overdrawn amount
• Provides coverage between $300-$5000

Your home can be your most powerful financial borrowing tool

• Access your credit through your TD Access Card³ cheques and EasyWeb Online banking
• Apply once for a credit limit that you can continue to use and re-use⁴
• Finance purchases related to home ownership, including home renovations and unexpected home repairs

TD offers effective financing options at dealerships across Canada

• Get access to the amount you need for your car, boat, marine or RV purchase
• Enjoy access to flexible financing, dealer programs and our trusted nationwide partnerships
• Choose between a fixed or variable interest rate to suit your needs

Apply for a vehicle loan that suits your budget

• Vehicle loans are available for privately sold cars, SUVs, trucks, vans or recreational vehicles
• Choose between a fixed or variable rate to suit your needs
• We'll help you create a comfortable payment schedule

Maximize your RSP by borrowing up to the RSP contribution limit for the year

• Borrow up to your unused RSP contribution room for that year
• Choose between a fixed or variable interest rate to suit your need

Borrow now so your retirement
savings may grow

• Catch up on RSP contributions from past years up to $50,000
• Up to 5-year terms available for fixed rate loans
• Up to 10-year terms available for variable rate Loans (term and amortization must match)

Use your eligible investments to secure a Line of Credit

• Borrow from $5,000 to $200,000
• Apply once for a line of credit that you can continue to use and re-use with a flexible repayment plan¹
• Convenient access to your credit through your TD Access Card⁵, cheques and EasyWeb Online banking