Loans, Credit Lines and Overdraft Protection

Pick from our borrowing choices

A way that is flexible borrow

  • Utilize it for house renovations or making big acquisitions
  • Borrow between $5000 – $50,000
  • Apply as soon as for a borrowing limit you could continue steadily to utilize and re-use with a repayment that is flexible 1

Unsecured Loans

Borrow just the thing you need now, for just what you would like

  • Put it to use for big acquisitions or debt that is consolidating
  • Borrow between $5000-$50,000
  • We’ll help create a payment routine that fits your allowance

Scholar Credit Line

A way that is flexible fund your college costs

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

Monthly Arrange Overdraft Protection

A back-up for the transactions that are everyday

  • Well suited for those people who have many shortfalls that are monthly their chequing account
  • Avoid declined deals, belated bill re re re payment fees or NSF charges for $4 every 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 ( maybe unavailable on records in Quebec)

  • Well suited for those that have only periodic dependence on overdraft security coverage
  • Avoid declined transactions, late bill re re re payment costs or NSF charges for $5 per usage with no more than $5 a day plus 21% interest each year on overdrawn quantity
  • Provides protection between $300-$5000

TD Residence Equity FlexLine

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

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

Dealership Car Loan

TD provides effective funding choices at dealerships across Canada

  • Obtain access to the total amount you’ll need for the automobile, motorboat, marine or RV purchase
  • Enjoy use of financing that is flexible dealer programs and our trusted nationwide partnerships
  • Select from a set or adjustable rate of interest for you personally

Private Sale Vehicle Loan

Submit an application for an automobile loan that suits your allowance

  • Car loans are around for independently offered vehicles, SUVs, trucks, vans or recreational automobiles
  • Select from a set or rate that is variable work for you
  • We will allow you to develop an appropriate repayment routine

TD On-the-Spot RSP Loan

Optimize your RSP by borrowing as much as the RSP share limitation when it comes to 12 months

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

TD CarryForward RSP Loan

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

  • Get caught through to RSP efforts from previous years as much as $50,000
  • As much as terms that are 5-year 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 personal credit line

  • Borrow from $5,000 to $200,000
  • Apply when for a personal credit line as you are able to continue to utilize and re-use with a repayment that is flexible 1
  • Convenient usage of your credit during your TD Access Card 5 , cheques and EasyWeb on line banking

Find out about Borrowing

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

Know Loans and Personal Lines Of Credit

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

Compare TD Loans & Personal Lines Of Credit

Read about the distinctions between financing and a relative personal credit line.

Get and keep credit that is good

Find down what’s tangled up in getting credit, how exactly to keep your credit history 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.

That will help you determine which lending that is financial could be suitable for you, keep carefully the after at heart:

Have you got a well-defined borrowing need with a specific objective – such as for instance buying a motor vehicle, consolidating financial obligation or any other expense that is major? Then a loan might be a significantly better choice. A lump is provided by it sum of cash at the start. It is possible to choose a hard and fast 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 you also pay only interest on which you utilize.

Talk with a TD agent for more information on 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. Personal Credit Line

Interest Fixed Adjustable

Weekly Bi-weekly Semi-monthly Monthly

Content in this video clip is actually for informational purposes just and will differ predicated on specific circumstances.

Please talk with a TD banking expert regarding the specific requirements.

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


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

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

Debunking credit score fables is clicked and name seems.

Screen Text: Debunking credit score fables

Speaker: Unlike an internet conspiracy theory, credit ratings must not be frightening.

A meter advances from the lowest credit history to credit score that is high. An automobile seems.

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

Payment Due name seems. A hand clicks about 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 very least your minimal payment and constantly ensure it is on time – will allow you to attain an increased credit history.

A calendar is shown with a check mark by the end regarding the thirty days.

Screen Text: minimal re re payment on time

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

Speaker: as a result will help help you get authorized for credit for bigger purchases – like your home that is first the long term.

A agreement seems and it is being finalized. A home is shown.

Screen Text: help to make approvals easier

An envelope seems.

Speaker: Making your repayments on time pertains to all of your individual bills, together with your phone bill along with other utility bills.

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

Screen Text: your entire bills that are personal Bill Paid

Speaker: Also, make sure that 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 services and products you will need

a quantity of bank cards circle the screen and one stops and remains on screen. A credit meter shows the credit card going over the limitation after which back to the prospective area.

Screen Text: remain in your restriction

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

A meter advances from the credit that is high to low credit history as being a hand clicks an Apply symbol many times.