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Accounts overview Chequing Savings Youth and Student U.S. Dollar Explore all offersBanking For
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Legal\r\n1The Annual Percentage Rate (APR) is the same as the interest rate because there are no additional fees or charges.
\r\n2Available when TD Canada Trust Line of Credit is programmed on your TD Access Card. Fees may apply for Interac® access and the use of other ATMs.
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When it comes to borrowing needs – there’s no one size that fits all.
To help you decide which financial lending option might be right for you, keep the following in mind:
Do you have a well-defined borrowing need with a particular end goal – such as buying a car, consolidating debt or another major expense? Then a loan might be a better option. It provides a lump sum of money up front. You can choose a fixed or variable interest rate… and select your payment frequency ranging from weekly to biweekly, semi-monthly or monthly.
If, on the other hand, you need the flexibility to borrow for a variety of needs, without having to reapply every time, then a line of credit may be a better option – as the funds up to your available credit limit are there, whenever you want! And you only pay interest on what you use.
Speak to a TD representative for more information on which solution may be right for your borrowing needs!
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Loan vs. Line of Credit
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