COVID-19 update
Loans, Lines of Credit and Overdraft Protection
Choose from our borrowing options
What are you borrowing for?
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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
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
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
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
TD Home Equity FlexLine
Your home can be your most powerful financial borrowing tool
Dealership Vehicle Loan
TD offers effective financing options at dealerships across Canada
TD On-the-Spot RSP Loan
Maximize your RSP by borrowing up to the RSP contribution limit for the year
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)
Investment Secured Line of Credit
Use your eligible investments to secure a Line of Credit
Tools & calculators
Personal Loan/Line of Credit Calculator
Debt Consolidation Loan Calculator
Learn more about Borrowing
Here are some additional resources to help you further understand your borrowing options.