Loans, Credit Lines and Overdraft Protection

Loans, Credit Lines and Overdraft Protection

Pick from our borrowing choices

A way that is flexible borrow

  • Make use of it for house renovations or making big acquisitions
  • Borrow between $5000 – $50,000
  • Apply as soon as for a credit limit as possible continue steadily to utilize and re-use with a versatile payment plan 1

Signature Loans

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

  • Make use of it for big acquisitions or consolidating financial obligation
  • Borrow between $5000-$50,000
  • We’ll assistance develop a payment routine that fits your financial allowance

Student Line of Credit

A versatile option to fund your college costs

  • Buy costs such as for example tuition, publications and living at competitive interest levels
  • Apply as soon as for a borrowing limit as you are able to continue steadily to use and re-use 1 whilst in college 2
  • Interest-only monthly obligations while at school as well as for two years once you leave college

Month-to-month Arrange Overdraft Protection

A back-up for the transactions that are everyday

  • Well suited for anyone who has many monthly shortfalls in their chequing account
  • Avoid declined deals, belated bill re payment costs 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

Prepare yourself to handle the unanticipated ( unavailable on reports in Quebec)

  • Perfect for people who just have actually periodic dependence on overdraft security coverage
  • Avoid declined deals, belated bill re payment fees or NSF charges for $5 per use with at the most $5 each day plus 21% interest each year on overdrawn quantity
  • Provides protection between $300-$5000

TD Residence Equity FlexLine

Your property will probably be your most effective economic borrowing device

  • Access your credit during your TD Access Card 3 cheques and EasyWeb on line banking
  • Apply as soon as for a borrowing limit as you are able to continue steadily to utilize and re-use 4
  • Finance purchases associated with house ownership, including house renovations and unforeseen house repairs

Dealership Car Loan

TD offers financing that is effective at dealerships across Canada

  • Obtain access to the total amount you will need for the automobile, ship, marine or RV purchase
  • Enjoy use of versatile funding, dealer programs and our trusted nationwide partnerships
  • Select from a set or interest that is variable for you personally

Private Sale Vehicle Loan

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

  • Car loans are offered for independently offered automobiles, SUVs, vehicles, vans or vehicles that are recreational
  • Select from a fixed or rate that is variable meet your requirements
  • We are going to assist you to produce a cushty repayment routine

TD On-the-Spot RSP Loan

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

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

TD CarryForward RSP Loan

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

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

Investment Secured Personal 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 credit line as you are able to continue steadily to utilize and re-use having a repayment that is flexible 1
  • Convenient usage of your credit using your TD Access Card 5 , cheques and EasyWeb on the web banking

Find out more about Borrowing

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

Know Loans and Credit Lines

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

Compare TD Loans & Personal Lines Of Credit

Find out about the distinctions between that loan and a relative credit line.

Get and keep maintaining credit that is good

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

Need certainly to keep in touch with us directly?Contact us



In terms of borrowing needs – there’s no one size that fits all.

To assist you determine which lending that is financial could be suitable for you, maintain the after at heart:

Are you experiencing a well-defined borrowing need with a specific 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. It gives a lump amount of cash in advance. It is possible to choose a set or variable interest rate… 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 on which you utilize.

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. personal credit line Loan vs. find cash on ground

Loan vs. Personal Credit Line

Interest Fixed Variable

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

Content in this movie is for informational purposes just and could differ centered on specific circumstances.

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

В® The TD logo along with other trade-marks will be the home regarding the 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 really should not be frightening.

A meter advances from a decreased credit rating to credit score that is high. A car or truck seems.

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

Re Payment title that is due. A hand clicks upon it, changing the name to pay for Bill.

Screen Text: Payment Due Pay Bill Minimal re payment Paid

Speaker: Having a great credit payment history- and that means you make at the least your minimal payment and constantly allow it to be on time – makes it possible to attain a greater credit history.

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

Screen Text: minimal payment on time

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

Speaker: as a result might help help you get authorized for credit for bigger purchases – like your very first home – in the long run.

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

Screen Text: make approvals easier

An envelope seems.

Speaker: Making your instalments on time relates to all of your individual bills, together with your phone bill and other bills.

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

Screen Text: all your valuable individual bills spend Bill Paid

Speaker: additionally, 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 make an application for credit services and products you may 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 in the mark area.

Screen Text: remain in your limitation

Speaker: Finally, keep in mind not to ever make an application for credit numerous times more than a period that is short this too can adversely influence your credit rating!

A meter progresses from the high credit history to low credit rating being a hand clicks an Apply icon numerous times.

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