RSP Loans

Borrow now so your retirement savings may grow


With a TD RSP Loan you can maximize your RSP contribution this year or take advantage of any unused contribution room.

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The maximum amount you can contribute to your RSP or TFSA.

Amortization period is the length of time it takes to pay your loan in full, assuming the same interest rate and payment amount throughout. Shortening your amortization period can help you reduce interest cost over the period but it will also increase your payments.

The interest rate stays the same for the time period chosen

Loans are available with a variety of terms. The term is the length of your current loan agreement. Typically, terms range from 1 to 5 years. When a term ends, any balance you still owe can be repaid in full, or you may be offered a renewal term at current interest rate.

The interest rate changes whenever TD Prime Rate changes




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