Loans, Personal Lines Of Credit and Overdraft Protection

Loans, Personal Lines Of Credit and Overdraft Protection

Select from our borrowing choices

A versatile solution to borrow

  • Put it to use for house renovations or making large acquisitions
  • Borrow between $5000 – $50,000
  • Apply when for a borrowing limit you could continue steadily to utilize and re-use having a repayment that is flexible 1

Unsecured Loans

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

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

Student Line of Credit

A way that is flexible fund your college expenses

  • Pay money for costs such as for instance tuition, publications and residing at competitive interest levels
  • Apply when for a borrowing limit that one can continue steadily to utilize and re-use 1 whilst in college 2
  • Interest-only monthly obligations while at school as well as two years when you leave college

Month-to-month Arrange Overdraft Protection

A back-up for the transactions that are everyday

  • Perfect for anyone who has many monthly shortfalls in their chequing account
  • Avoid declined deals, belated bill re re 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

Prepare yourself to handle the unanticipated ( perhaps Not available on records in Quebec)

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

TD Residence Equity FlexLine

Your property will 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 as possible continue steadily to utilize and re-use 4
  • Finance purchases regarding house ownership, including home renovations and unanticipated house repairs

Dealership Car Loan

TD provides effective funding choices at dealerships across Canada

  • Obtain access to the quantity you’ll need for the automobile, watercraft, marine or RV purchase
  • Enjoy use of financing that is flexible dealer programs and our trusted nationwide partnerships
  • Choose 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 allowance

  • Vehicle loans are for sale to independently sold automobiles, SUVs, trucks, vans or vehicles that are recreational
  • Choose from a set or variable price to work for you
  • We will assist you to produce an appropriate repayment routine

TD On-the-Spot RSP Loan

Optimize your RSP by borrowing as much as the RSP share restriction for the year

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

TD CarryForward RSP Loan

Borrow now which means that your 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 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 credit line

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

Find out more about Borrowing

Here are a few resources that are additional help you even more comprehend 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 & Credit Lines

Find out about the distinctions between financing and a relative line of Credit.

Get and keep good credit

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

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



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

To assist you determine which financial financing choice could be suitable for you, keep consitently the after at heart:

Are you experiencing a well-defined borrowing need with a certain objective – such as for example purchasing an automobile, consolidating financial obligation or any other major cost? Then that loan might be a far better choice. A lump is provided by it sum of cash in advance. You’ll choose a hard and fast or variable interest rate… and choose your re 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 only interest on which you employ.

Talk to a wikipedia reference TD agent to learn more about which solution may be right for your borrowing requirements!

On-Screen Graphics

Loan vs. Loan vs. lend Loan vs. personal 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 movie is for informational purposes just and may even differ predicated on specific circumstances.

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

В® The TD logo design along with other trade-marks will be the home for the Toronto-Dominion Bank.


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

Debunking credit score urban myths is clicked and name seems.

Screen Text: Debunking credit score fables

Speaker: Unlike an internet conspiracy theory, fico scores really should not be frightening.

A meter advances from a minimal credit rating to high credit history. A car or truck appears.

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

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

Screen Text: Payment Due Pay Bill Minimal payment Paid

Speaker: Having a good credit payment history- and that means you make at the least your minimal payment and constantly allow it to be on time – can help you attain an increased credit rating.

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

Screen Text: minimal re re payment on time

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

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

A contract seems and it is being finalized. A residence is shown.

Screen Text: help to make approvals easier

An envelope seems.

Speaker: Making your instalments on time pertains to your entire individual bills, together with your phone bill as well as other bills.

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

Screen Text: all your valuable bills that are personal 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: Only make an application for credit items you want

lots 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 goal zone.

Screen Text: remain in your limitation

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

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