Loans, Lines of Credit and Overdraft Protection


The interest rate stays the same for the term chosen
The interest rate changes whenever TD Prime Rate changes

Choose from our borrowing options

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Personal Line of Credit

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
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Personal Loans

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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Student Line of Credit

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
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Monthly Plan Overdraft Protection

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 $4 per month plus 21% interest per year on overdrawn amount
  • Provides coverage between $300 - $5000
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Pay As You Go Overdraft Protection

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
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TD Home Equity FlexLine

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
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Dealership Vehicle Loan

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

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Private Sale Vehicle Loan

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

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TD On-the-Spot RSP Loan

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
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TD CarryForward RSP Loan

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)
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Investment Secured Line of Credit

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
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Tools & calculators

Personal Loan Calculator

Use our loan calculator to see how much your monthly payments could be.

Debt Consolidation Loan Calculator

Calculate how much you owe and how soon you could be debt free when you put all your debts in a TD Debt Consolidation Loan.

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