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Tell us about your borrowing goal.
Borrow Better for unexpected expenses
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Life can be unpredictable. When emergencies happen, you might not have the cash on hand to pay the large expenses that follow. A Personal Loan or Line of Credit from TD could help manage those costs, and our repayment plans are flexible. Talk to us to get your application started.
Why borrow to manage the unexpected?
- It can help reduce your anxiety
Large or unexpected expenses can be stressful. Having a way to handle those expenses makes it easier to focus on the day-to-day. - Be ready to manage the unexpected
Help cover occasional shortfalls in your chequing account.
Smart ways to handle financial surprises
A TD Loan or Line of Credit can help you be ready to manage the unexpected.
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Topic suggestion from search bar pops up when text is typed.
Screen Text: Debunking credit score myths
Debunking Big Foot
Debunking goat yoga
Debunking credit score myths is clicked and title appears.
Screen Text: Debunking credit score myths
Speaker: Unlike an internet conspiracy theory, credit scores shouldn't be scary.
A meter progresses from a low credit score to high credit score. A car appears.
Speaker: They indicate how well you manage your credit payments.
Payment Due title appears. A hand clicks on it, changing the title to Pay Bill.
Screen Text: Payment Due
Pay Bill
Minimum payment Paid
Speaker: Having a good credit repayment history- which means you make at least your minimum payment and always make it on time - can help you achieve a higher credit score.
A calendar is shown with a check mark at the end of the month.
Screen Text: Minimum payment on time
A meter progresses from a low credit score to high credit score.
Speaker: This in turn can help make it easier to get approved for credit for larger purchases – like your first home – in the future.
A contract appears and is being signed. A house is shown.
Screen Text: Help make approvals easier
An envelope appears.
Speaker: Making your payments on time applies to all your personal bills, including your phone bill and other utility bills.
A bill is revealed inside the envelope. A phone appears with a Pay Bill icon. The icon is clicked and changes to Paid!
Screen Text: All your personal bills
Pay Bill
Paid
Speaker: Also, ensure that you only apply for credit products that you need and that you use them responsibly by staying within your credit limit.
Screen Text: Only apply for credit products you need
A number of credit cards circle the screen and one stops and stays on screen. A credit meter shows the credit card going above the limit and then back into the target zone.
Screen Text: Stay within your limit
Speaker: Finally, remember not to apply for credit multiple times over a short period because this too can negatively impact your credit score!
A meter progresses from a high credit score to low credit score as a hand clicks an Apply icon numerous times.
Screen Text: Apply
Applying too often
TD logo appears.
When it comes to borrowing needs – there’s no one size that fits all.
To help you decide which financial lending option might be right for you, keep the following in mind:
Do you have a well-defined borrowing need with a particular end goal – such as buying a car, consolidating debt or another major expense? Then a loan might be a better option. It provides a lump sum of money up front. You can choose a fixed or variable interest rate… and select your payment frequency ranging from weekly to biweekly, semi-monthly or monthly.
If, on the other hand, you need the flexibility to borrow for a variety of needs, without having to reapply every time, then a line of credit may be a better option – as the funds up to your available credit limit are there, whenever you want! And you only pay interest on what you use.
Speak to a TD representative for more information on which solution may be right for your borrowing needs!
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Loan vs.
Loan vs. lend
Loan vs. line of credit
Loan vs. find money on ground
Loan vs. Line of Credit
Loan
Debt
Interest
Fixed
Variable
Weekly
Bi-weekly
Semi-monthly
Monthly
Line of Credit
Content in this video is for informational purposes only and may vary based on individual circumstances.
Please speak to a TD banking specialist about your particular needs.
® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.
Topic suggestion from search bar pops up when text is typed.
Screen Text: Debunking credit score myths
Debunking Big Foot
Debunking goat yoga
Debunking credit score myths is clicked and title appears.
Screen Text: Debunking credit score myths
Speaker: Unlike an internet conspiracy theory, credit scores shouldn't be scary.
A meter progresses from a low credit score to high credit score. A car appears.
Speaker: They indicate how well you manage your credit payments.
Payment Due title appears. A hand clicks on it, changing the title to Pay Bill.
Screen Text: Payment Due
Pay Bill
Minimum payment Paid
Speaker: Having a good credit repayment history- which means you make at least your minimum payment and always make it on time - can help you achieve a higher credit score.
A calendar is shown with a check mark at the end of the month.
Screen Text: Minimum payment on time
A meter progresses from a low credit score to high credit score.
Speaker: This in turn can help make it easier to get approved for credit for larger purchases – like your first home – in the future.
A contract appears and is being signed. A house is shown.
Screen Text: Help make approvals easier
An envelope appears.
Speaker: Making your payments on time applies to all your personal bills, including your phone bill and other utility bills.
A bill is revealed inside the envelope. A phone appears with a Pay Bill icon. The icon is clicked and changes to Paid!
Screen Text: All your personal bills
Pay Bill
Paid
Speaker: Also, ensure that you only apply for credit products that you need and that you use them responsibly by staying within your credit limit.
Screen Text: Only apply for credit products you need
A number of credit cards circle the screen and one stops and stays on screen. A credit meter shows the credit card going above the limit and then back into the target zone.
Screen Text: Stay within your limit
Speaker: Finally, remember not to apply for credit multiple times over a short period because this too can negatively impact your credit score!
A meter progresses from a high credit score to low credit score as a hand clicks an Apply icon numerous times.
Screen Text: Apply
Applying too often
TD logo appears.