Loans

Not sure which loan is the best fit for you? 

Loans

Not sure which loan is the best fit for you?

​Variable or fixed interest rates

Know what your payments will be for the duration of your loan or take advantage of competitive rates with the option to convert to fixed at anytime.

​Repayment terms and options

Our options are flexible to help you meet your goals and keep your payments within budget.

​Fast pre-approvals

Shop with confidence and know what you have to spend beforehand.

​Protect your peace of mind with creditor insurance

Sometimes life takes an unexpected turn. Creditor insurance ensures you’re ready for it, covering your loan payments in case of disability, job loss, critical illness and more.

Choose a loan that's right for you

Home Improvement

Home Improvement

Perfect for you:

You’re planning a minor or major renovation to the family home.

What you get:
  • Fixed or variable rate – Lock in your interest rate for the term of your loan or get a lower variable rate that shifts with the market. The choice is yours! 
  • Flexible payment schedules – Fit your mortgage to your budget with the option to pay weekly, bi-weekly, monthly or semi-monthly. 
  • Pay down your loan faster with no prepayment penalities. No penalties means less fees and interest over the term of your loan.
  • Financing available for any size project.
  • Available as secured or unsecured.
  • Fast pre-approvals to make sure opportunities don't pass you by.
  • Protect yourself with creditor insurance.

Vehicle Loan

Vehicle Loan

Perfect for you:

You’re in the market for a new or used vehicle.

What you get:
  • Fixed or variable rate – Lock in your interest rate for the term of your loan or get a lower variable rate that shifts with the market. The choice is yours!
  • Flexible payment schedules – Fit your mortgage to your budget with the option to pay weekly, bi-weekly, monthly or semi-monthly.
  • Pay down your loan faster with no prepayment penalities. No penalties means less fees and interest over the term of your loan.
  • Brand new vehicles are eligible for preferred pricing and extended amortizations.
  • Fast pre-approvals available to give you the most at the negotiating table.
  • Protect yourself with creditor insurance. 

Debt Consolidation

Debt Consolidation

Perfect for you:

You want to reduce and simplify your debt servicing payments.

What you get:
  • Fixed or variable rate – Lock in your interest rate for the term of your loan or get a lower variable rate that shifts with the market. The choice is yours! 
  • Flexible payment schedules – Fit your mortgage to your budget with the option to pay weekly, bi-weekly, monthly or semi-monthly. 
  • Pay down your loan faster with no prepayment penalities. No penalties means less fees and interest over the term of your loan.
  • Protect yourself with creditor insurance. 
  • Enjoy the peace of mind that comes with knowing your minimum monthly paymnet will remain the same throughout the life of the loan.

RRSP Loan

RRSP Loan

Perfect for you:

You want to finance any investment product within your RRSP account.

What you get:
  • Flexible payment schedules – Fit your loan to your budget with the option to pay weekly, bi-weekly, monthly or semi-monthly. 
  • Pay down your loan faster with no prepayment penalities. No penalties means less fees and interest over the term of your loan.
  • Elibgible for preferred pricing.
  • Extended amortizations available.
  • Can be used for current year's contribution or to catch-up contributions from prior years.
  • First payment may be deferred for up to 90 days.
  • Protect yourself with creditor insurance.

Student Loan

Student Loan

Perfect for you:

You need financial support to finance your post-secondary education.

What you get:
  • Up to $40,000 ($10,000 per year for 4 years) avialable.
  • Only pay interest on the principle while attending school.
  • Eligible for preferred rates.
  • Easy access - During school, your funds are available as a line of credit and can be accessed in the same way as a chequing account - online, in-branch or over the phone.
  • Flexible payment schedules – Fit your student loan to your budget with the option to pay weekly, bi-weekly, monthly or semi-monthly over upto 10 years. 
  • Protect yourself with creditor insurance.

Loan Calculator

Try our loan calculator to see how much you can afford to borrow and what your payments could look like.

Loan Calculator

  1. Click "Payment" tab and enter mortgage amount

  2. Enter "Payment Frequency"

  3. Select the "Loan Term"

  4. Input the interest rate

​​Carry a MasterCard that rewards your lifestyle

Put your everyday purchases to work earning the rewards you want most – cash back, travel points, U.S. dollar purchases and more.

​​​Protect your peace of mind with creditor insurance

Sometimes life takes an unexpected turn. Creditor insurance ensures you’re ready for it, covering your loan payments in case of disability, job loss, critical illness and more.

​​​Protect your peace of mind with creditor insurance

Sometimes life takes an unexpected turn. Creditor insurance ensures you’re ready for it, covering your loan payments in case of disability, job loss, critical illness and more.

​Reduce your Tax Burden and Save for Retirement with an RRSP

RRSPs are registered accounts that allow your contributions and earnings to grow sheltered from income tax until withdrawal. Their versatility and the tax savings have made RRSPs the preferred investment vehicle for Canadians. 

Your How-To Hub

How to consolidate debt

Debt consolidation is when a person obtains a new loan to pay out a number of smaller loans. The end goal is to have all of the various debts 'consolidated' under one combined loan and to have one payment where once there were many. 

How to Increase Your Credit Score

Talking about credit scores, what they are, why they’re important, and how to maintain healthy ones, is still somewhat taboo in our day to day lives. Outside the world of finance, credit scores are seldom talked about and often avoided until they become a problem.

Finding the right borrowing solution

There are several factors which contribute to your overall cost of borrowing. In this article we’ll review the most important ones to keep an eye on as you look for the right borrowing solution.

​​Ready to learn more or get started?

We're here to help.