Loans, Credit Lines and Overdraft Protection

Select from our borrowing choices

A way that is flexible borrow

  • Make use of it for house renovations or making purchases that are large
  • Borrow between $5000 – $50,000
  • Apply once for a borrowing limit as you are able to continue steadily to utilize and re-use by having a versatile payment plan 1

Signature Loans

Borrow just things you need now, for just what you need

  • Utilize it for large purchases or consolidating financial obligation
  • Borrow between $5000-$50,000
  • We’ll help create a payment routine that fits your financial allowance

Scholar Credit Line

A way that is flexible fund your college costs

  • Pay money for costs such as for example tuition, books and residing at competitive rates of interest
  • Apply when for a borrowing limit as you are able to continue steadily to utilize and re-use 1 whilst in college 2
  • Interest-only payments that are monthly in school as well as two years once you leave college

Month-to-month Plan Overdraft Protection

A safety net for the transactions that are everyday

  • Perfect for those individuals who have many month-to-month shortfalls in their chequing account
  • Avoid declined deals, belated bill payment fees or NSF charges for $4 each month plus 21% interest each year on overdrawn quantity
  • Provides protection between $300 – $5000

Pay While You Go Overdraft Protection

Get ready to control the unforeseen ( unavailable on reports in Quebec)

  • Well suited for people who have only periodic significance of overdraft security coverage
  • Avoid declined deals, belated bill re re re payment costs or NSF charges for $5 per usage with at the most $5 a day plus 21% interest per year on overdrawn quantity
  • Provides coverage between $300-$5000

TD Residence Equity FlexLine

Your house will be your most effective borrowing tool that is financial

  • Access your credit using your TD Access Card 3 cheques and EasyWeb on the web banking
  • Apply as soon as for a borrowing limit that one can continue steadily to utilize and re-use 4
  • Finance purchases pertaining to house ownership, including house renovations and unanticipated house repairs

Dealership Car Loan

TD provides effective funding choices at dealerships across Canada

  • Access the quantity you’ll need for the vehicle, ship, marine or RV purchase
  • Enjoy usage of financing that is flexible dealer programs and our trusted nationwide partnerships
  • Choose from a set or interest that is variable to meet your requirements

Private Sale Vehicle Loan

Submit an application for a car loan that suits your financial allowance

  • Car loans are offered for independently offered vehicles, SUVs, vehicles, vans or recreational cars
  • Select from a set or rate that is variable meet your requirements
  • We will assist you to create a comfy repayment routine

TD On-the-Spot RSP Loan

Optimize your RSP by borrowing as much as the RSP share restriction when it comes to year

  • Borrow as much as your RSP that is unused contribution for that 12 months
  • Choose from a set or variable rate of interest to match your need

TD CarryForward RSP Loan

Borrow now so that your your retirement cost cost savings may develop

  • Catch through to RSP efforts from previous years as much as $50,000
  • Up to 5-year terms available for fixed price loans
  • As much as terms that are 10-year for adjustable rate Loans (term and amortization must match)

Investment Secured Credit Line

Make use of your investments that are eligible secure a credit line

  • Borrow from $5,000 to $200,000
  • Apply as soon as for a credit line as possible continue steadily to utilize and re-use by having a versatile payment plan 1
  • Convenient usage of your credit throughout your TD Access Card 5 , cheques and EasyWeb on line banking

Find out about Borrowing

Check out extra resources to help you even more comprehend your borrowing choices.

Know Loans and Credit Lines

Discover credit options for typical borrowing requirements like paying down debt, home renovation and much more.

Compare TD Loans & Credit Lines

Find out about the distinctions between financing and A credit line.

Get and continue maintaining credit that is good

Find away what’s tangled up in getting credit, how exactly to keep your credit rating healthy and much more.

Have to keep in touch with us directly?Contact us



With regards to borrowing needs – there’s no one size that fits all.

To assist you determine which monetary financing choice could be suitable for you, maintain the after in your mind:

Are you experiencing a well-defined borrowing need with a certain objective – such as for example purchasing a motor vehicle, consolidating financial obligation or any other major cost? Then that loan might be a significantly better choice. A lump is provided by it amount of cash in advance. It is possible to choose a set or interest that is variable… and choose your re payment regularity which range from regular to biweekly, semi-monthly or month-to-month.

Then a line of credit may be a better option – as the funds up to your available credit limit are there, whenever you want if, on the other hand, you need the flexibility to borrow for a variety of needs, without having to reapply every time! And also you pay just interest about what you employ.

Talk with a TD agent to learn more about which solution might be suitable for your borrowing requirements!

On-Screen Graphics

Loan vs. Loan vs. lend Loan vs. credit line Loan vs. uncover cash on ground

Loan vs. Credit Line

Interest Fixed Adjustable

Weekly Bi-weekly Semi-monthly Month-to-month

Content in this video clip is for informational purposes just and can even differ centered on specific circumstances.

Please talk with a TD banking expert regarding the needs that are particular.

В® The TD logo design as well as other trade-marks would be the home of this Toronto-Dominion Bank.


Topic suggestion from search bar pops up when text is typed.

Screen Text: Debunking credit score urban myths Big Foot Debunking goat that is debunking yoga

Debunking credit score fables is clicked and name seems.

Screen Text: Debunking credit score urban myths

Speaker: Unlike a conspiracy that is internet, credit ratings must not be frightening.

A meter advances from a decreased credit rating to credit score that is high. An automobile seems.

Speaker: They suggest exactly how well you handle your credit re re re payments.

Re Payment title that is due. A hand clicks onto it, changing the name to cover Bill.

Screen Text: Payment Due Pay Bill Minimal re re re payment Paid

Speaker: Having a credit that is good history- and that means you make at the least your minimal payment and constantly allow it to be on time – will allow you to attain a higher credit history.

A calendar is shown with a check mark at the conclusion for the thirty days.

Screen Text: minimal re payment on time

A meter advances from a reduced credit rating to high credit history.

Speaker: This in turn will help help you get authorized for credit for larger purchases – like your very first home – in the near future.

A agreement appears and it is being finalized. A residence is shown.

Screen Text: make approvals easier

An envelope seems.

Speaker: Making your instalments on time pertains to all of your individual bills, as well as your phone bill as well as other bills.

A bill is revealed within the envelope. A phone seems with a Pay Bill icon. The symbol is clicked and modifications to Paid!

Screen Text: all of your bills that are personal Bill Paid

Speaker: additionally, make certain you need and that you use them responsibly by staying within your credit limit that you only apply for credit products.

Screen Text: just submit an application for credit items you will need

a quantity of bank cards circle the screen and one stops and remains on screen. The credit is showed by a credit meter card going over the limitation after which back to the mark area.

Screen Text: remain in your limitation

Speaker: Finally, keep in mind not to ever submit an application for credit numerous times more than a little while because this too can negatively influence your credit rating!

A meter advances from a high credit history to low credit rating being a hand clicks an Apply symbol many times.