Tell us about your borrowing goal.

Borrow Better for unexpected expenses

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.
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Personal Loan

Borrow exactly what you need right now

  • Available for : managing large expenses or paying off other debts
  • You can borrow3 : $5,000 to $50,000
  • Repayment : We’ll help you create a realistic payment schedule
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Personal Line of Credit

Use and re-use credit with just one application1

  • Available for : responding immediately to expenses as they arise
  • You can borrow $5,000 to $50,000
  • Repayment : As you pay back what you’ve used, the credit becomes available to you again1
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TD Home Equity FlexLine

Your home can be a powerful financial borrowing tool

  • Available for: paying off large expenses or renovating your home
  • You can borrow: up to 80% of your home value2
  • Repayment: minimum interest-only payments
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Investment Secured Line of Credit

Use your eligible investments to secure a Line of Credit

  • Available for: unexpected expenses
  • You can borrow3: $5,000 to $200,000
  • Repayment: Choose how much you repay. Interest only payments or any amount up to the entire balance with no prepayment charge.
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Personal Loan/Line of Credit Calculator

Use our Personal Loan and Line of Credit Payment Calculator to see what your payments could be.

Learn more about borrowing


1 Subject to the terms of your agreement
2 Subject to TD Canada Trust credit criteria and any prior outstanding mortgage, charges or liens
3 Subject to approval

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