Personal Line of Credit

A smart way to borrow responsibly

A TD Personal Line of Credit is a smart borrowing option to finance everyday purchases as well as larger purchases.

Benefits of TD's Line of Credit

  • Borrow from $5,000 to $50,000
    A line of credit is a smart way to finance your various borrowing needs.
  • Convenient Access
    Access your available credit through your TD Access Card1, EasyWeb Online banking, at the ATM, on the TD Mobile App and through cheques.
  • Transfer funds
    Using EasyWeb Online banking, the TD Mobile App, EasyLine and in branch.
  • Pay for purchases
    At retailers with your TD Access Card (TD Access Card must be programmed for your Line of Credit)1.
  • Use it again
    Once you pay any of the credit you've used, it’s available again without the need to reapply2.
  • Choose how much you repay
    Pay as little as the minimum payment requirement as set out in your Line of Credit Agreement, or any greater amount up to the entire balance.
  • Consolidate debt and save money on interest
    Pay off higher-interest debt with a lower interest option.

What are my line of credit interest rate options?

Competitive Variable Rate
Enjoy a competitive line of credit interest rate based on TD Prime Rate

Fixed Rate Advantage Option
Protect yourself from interest rate increases and establish regular fixed line of credit payments by locking all or a portion of your revolving outstanding balance into a fixed interest rate.

At the end of the term, any remaining balance will revert back to the revolving portion of the Line of Credit.

Have a personal consultation to discuss your options.
Call 1 888-828-72331 888-828-7233

Personal Loan/Line of Credit Calculator

Seeing your possible payments can help you decide how much you might comfortably borrow.


1 Available when TD Canada Trust Line of Credit is programmed on your TD Access Card. Fees may apply for Interac® access and the use of other ATMs.
2 Subject to the terms of your Line of Credit Agreement or any applicable holds that may have been placed on the funds deposited.

Interac is a registered trade-mark of Interac Corp. Used under licence.

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