Home / Loans and lines of credit
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Here to help fund what matters
Borrowing doesn’t have to feel complicated. At TD, we make loans and lines of credit simple, flexible, and built around your needs. Whether you’re planning something big, covering unexpected costs, or just looking for peace of mind, we’re here to help you borrow with ease and confidence.
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TD Loans
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TD Line of Credit
TD Loans
A TD Loan gives you the credit you need for the things you want to do. Planning a big purchase? Clearing up higher-interest debts? Planning for your future?
We offer fixed and variable interest rates, along with a repayment schedule that’s tailored to your budget.
Borrow only what you need right now
- Available for: Making a large purchase or consolidating debt
- You can borrow: as little as $2,000
- Interest: Choose between a fixed or variable rate
- Repayment: flexible repayment terms from 1 to 7 years
Apply for a loan to fund your purchase
- Available for: vehicles 5 years old or less (recreational vehicles 2 years old or less)
- You can borrow: up to the full purchase price
- Interest: vehicle is used as collateral to provide a competitive interest rate
- Repayment: flexible terms available
Make the most of your RSP contribution room
- Available for: optimizing retirement savings
- You can borrow: up to your annual contribution for the current year or available previous year’s RSP contribution space
- Interest: choose between a fixed or variable rate
- Repayment: flexible terms available
TD Lines of Credit
Have money when you need it and have that credit available again once it’s repaid.
Have the credit you need, when you need it
- Available for: managing life’s sudden expenses, be they large or small
- You can borrow: as little as $5,000
- Interest: variable rate or lock in a fixed rate for all or part of the balance
- Repayment: As you repay the money you’ve borrowed, that credit becomes available to you again
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 value
- Repayment: Minimum interest-only payments
Borrowing advice
Get helpful insights and tips on how to borrow wisely, manage your payments and make informed financial decisions.
