Personal, car, home, student, consolidation and business loans with clear terms and no hidden fees.
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Most flexibleFast funding for life's big and small moments
Borrow for a wedding, renovation, medical expense or anything else. Enjoy a fixed rate, predictable monthly payments and a decision in minutes.
EV discountDrive away in the car you want
Finance a new or used vehicle from a dealer or private seller. Get pre-approved before you shop to negotiate with confidence.
First-time buyersYour path to owning a home
Buying, renewing or refinancing? Our advisors compare fixed, variable and open mortgages to find the right fit, from first-time buyers to seasoned owners.
Flexible creditTap into your home's equity
Borrow what you need, when you need it, up to 65% of your home's value, and pay interest only on what you use. Ideal for renovations and big expenses.
StudentsInvest in your education
Cover tuition, books and living costs. Pay interest only while you study, then take up to 18 months after graduation before full repayments begin.
Save on interestSimplify your debts into one payment
Combine credit cards and high-interest debts into a single loan with a lower rate. One payment, one date and a clear finish line.
For businessFuel your business growth
Term loans, equipment financing, working capital lines and commercial mortgages for Canadian small businesses. Eligible for Canada Small Business Financing Program support.
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Sample rates for illustration. Rates and eligibility subject to credit approval.
| Loan | Rate | Max amount | Term | Security | Best for | |
|---|---|---|---|---|---|---|
| Personal loan | From 6.99% | $50,000 | 1 to 7 years | Unsecured | Any major expense | Details |
| Car loan | From 5.49% | $150,000 | Up to 8 years | Vehicle | Buying a vehicle | Details |
| Mortgage | From 4.59% | Based on property | Up to 30 yrs amort. | Home | Buying or renewing | Details |
| HELOC | Prime + 0.50% | 65% of home value | Revolving | Home | Renovations, ongoing needs | Details |
| Student loan / LOC | Prime + 1% | $60,000 | Revolving | Unsecured | Tuition and living costs | Details |
| Debt consolidation | From 7.49% | $75,000 | 1 to 7 years | Unsecured | Lowering interest costs | Details |
| Business loan | From 7.25% | $500,000 | 1 to 10 years | Varies | Growth and equipment | Details |
*A minimum 5% down payment applies to the first $500,000 of a home price, with higher rates above that and mortgage default insurance required under 20% down. Representative example: a $20,000 personal loan at 6.99% APR over 5 years costs about $396 per month.
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