Loans and Lines of Credit

A smart way to borrow responsibly

• Borrow up to $50,000
• Apply once for a credit limit that you can continue to use and re-use¹
• Convenient access to your credit through your TD Access Card² cheques, and EasyWeb Online banking

Borrow only what you need now, for what you want

• You can borrow up to $50,000
• Get the amount of credit you need for renovations, unexpected expenses, investments and more
• We’ll help you create a payment schedule that fits your budget

Flexible options designed for student life

• Apply once for a credit limit that you can continue to use and re-use¹ while in school ³
• Competitive interest rates, before and after completing school¹
• Convenient access to your credit through your TD Access Card⁴, cheques and EasyWeb Online banking

When ‘life happens’ you’ve got peace of mind

• $4 per month
• Helps cover the occasional shortfalls in your chequing account
• Monthly fee Overdraft Protection is a good choice if you need coverage on a regular basis

Be ready to manage the unexpected.

• $5 per use
• Helps cover the occasional shortfalls in your chequing account
• Pay As You Go Overdraft is a good choice if you only have an occasional need for coverage

Your home can be your most powerful financial borrowing tool

• Access your credit through your TD Access Card⁵, cheques and EasyWeb Online banking
• Apply once for a credit limit that you can continue to use and re-use⁶
• Finance purchases related to home ownership, including home renovations and unexpected home repairs

Borrow for the car you want, within your budget

• Get access to the specific amount you need to purchase the car you want upfront
• Choose between a fixed or variable interest rate depending on what’s best for you
• We’ll help you create a payment schedule that fits your budget

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 depending on what’s best for you
• You can defer payments for up to 120 days but interest will continue to accrue

Borrow now so your retirement
savings may grow

• Catch up on RSP contributions from past years up to $50,000
• Amortization period of up to 10 years
• 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)

Enjoy lower interest credit by leaving your investments untouched.

• Borrow up to $200,000 or more
• Apply once for a line of credit that you can continue use and re-use¹
• Convenient access to your credit through your TD Access Card⁷, cheques and EasyWeb Online banking