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Home / Loans and lines of credit / Personal Line of Credit
Submit an online application
Apply now TD Personal Line of Credit\r\n"}}" id="text-43b6a12729" class="cmp-text"> TD Personal Line of Credit A TD Personal Line of Credit gives you access to the cash you need on an ongoing basis. You can pay and reuse your credit, with no need to reapply.\r\n"}}" id="text-336aa6aaaf" class="cmp-text">A TD Personal Line of Credit gives you access to the cash you need on an ongoing basis. You can pay and reuse your credit, with no need to reapply.
Why apply for a TD Personal Line of Credit?\r\n"}}" id="text-11c1f2c5c2" class="cmp-text"> Why apply for a TD Personal Line of Credit? Use and reuse your credit\r\nOnce you repay any credit you've used, it's there to be used again1
\r\n"}}" id="text-11c8923ccb" class="cmp-text">Use and reuse your credit
Once you repay any credit you've used, it's there to be used again1
Choose how much you repay\r\nPay as little as your minimum payment2 or any greater amount, up to the entire balance
\r\n\r\n"}}" id="text-0815e4a979" class="cmp-text">
Choose how much you repay
Pay as little as your minimum payment2 or any greater amount, up to the entire balance
Competitive interest rate\r\n
Enjoy a variable interest rate based on TD Prime Rate.
\r\n"}}" id="text-69c9f7b1ff" class="cmp-text">Competitive interest rate
Enjoy a variable interest rate based on TD Prime Rate.
Secure for a lower interest rate\r\nUsing eligible investments as collateral will require meeting with an advisor to review eligibility and get started.
\r\n"}}" id="text-57ae58917c" class="cmp-text">Secure for a lower interest rate
Using eligible investments as collateral will require meeting with an advisor to review eligibility and get started.
A TD Personal Line of Credit is good for you if…\r\n"}}" id="text-02d1790077" class="cmp-text"> A TD Personal Line of Credit is good for you if… you want convenient access to funds3\r\nyou are looking to pay off higher interest rate debt and potentially lower monthly payments
\r\nyou want flexibility to lock in part or all of your outstanding balance to a Fixed rate advantage option
\r\n"}}" id="text-a05a335e3f" class="cmp-text">you want convenient access to funds3
you are looking to pay off higher interest rate debt and potentially lower monthly payments
you want flexibility to lock in part or all of your outstanding balance to a Fixed rate advantage option
Loan vs Line of Credit calculatorCompare what you might be paying with a loan or a line of credit.
Calculate now Calculate now Tools and resources\r\n"}}" id="text-d3ef4afb09" class="cmp-text"> Tools and resources Help me chooseJust answer a few simple questions. We'll suggest TD products to help you achieve your lending needs.
Check your credit scoreYou can check your credit score with the TransUnion CreditView® Dashboard in the TD app. Checking in the TD app will not affect your credit score in any way.
Credit application guideThis step-by-step guide will help you understand the credit application process.
How to manage debtKnowing how to manage your debt is key to paying it off. See our tips to manage debt.
Borrowing advice\r\n"}}" id="text-082d916034" class="cmp-text"> Borrowing advice Get helpful insights and tips on how to borrow wisely, manage your payments and make informed financial decisions.\r\n"}}" id="text-07574dccf3" class="cmp-text">Get helpful insights and tips on how to borrow wisely, manage your payments and make informed financial decisions.
Learn more TD Line of Credit ProtectionConsidering a TD Personal Line of Credit? Help prepare for the uncertainties of life with optional TD Line of Credit Protection which could pay off or reduce your outstanding balance should you pass away or face life-threatening cancer, acute heart attack, or stroke.4
Learn more Application Checklist \r\n"}}" id="text-7e1928f3ac" class="cmp-text"> Application Checklist To start your application, there are a few things we’ll need from you:\r\n"}}" id="text-5d757807e9" class="cmp-text">To start your application, there are a few things we’ll need from you:
Government-issued identification
(original and not expired) Examples of valid ID
Proof of income
If employed, provide your last two paystubs If self-employed, provide your last two Notice of Assessment documents (tax returns)Expense statements
Mortgage/rent payments, utility bills, taxes, other credit statements, etc.
TD Investment details
If you are using a TD Investment as collateral to secure a lower interest rate, be prepared to provide the investment details
Adding a co-signer?
The same information and documents will also be needed from them
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As part of this credit check, we will give your information to credit bureaus and other lenders. They will give reports and information to us, about you, to help assess your eligibility and creditworthiness.
View More Ready to apply? Apply onlineYou can submit an online application.
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Your deposits may be insurable by the Canada Deposit Insurance Corporation.
\r\n\r\nCanada Investment Regulatory Organization (CIRO)
\r\nCIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.
\r\n\r\n"}}" id="text-959b1239e4" class="cmp-text">Canada Deposit Insurance Corporation
Your deposits may be insurable by the Canada Deposit Insurance Corporation.
Canada Investment Regulatory Organization (CIRO)
CIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.
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Tips to help you manage debt
Debt… not your typical topic of conversation with friends or family.
For the most part, a lot of us like to avoid thinking of the topic altogether.
But what we can all agree on is that we would love to get rid of it – or at least pay it down faster.
So here are some steps you can take to help you tackle it.
First off, review your outstanding debts.
After reviewing your budget, rank the debts in the order they should be paid off – the best order is to rank the higher-interest debts first to help you pay less interest.
Second, consider consolidating those higher-interest-rate debts into one loan with a lower interest rate.
Debt consolidation loans can be a good way to help reduce the money you're spending on interest, because with a lower interest rate, more of the loan payment is applied towards paying the principal.
Consolidating several debts into one loan can help give you an estimated end date as to when that debt will be paid off – which could lead to an improvement in your credit score, with one payment being made on time each month.
Lastly, if you end up with more cash on hand due to a lower monthly loan payment, you might consider applying some of it to further reduce the loan amount.
Legal\r\n"}}" id="legal" class="cmp-text"> Legal 1 Subject to the terms of your Line of Credit Agreement or any applicable holds that may have been placed on the funds deposited.\r\n"}}" id="1" class="cmp-text">1 Subject to the terms of your Line of Credit Agreement or any applicable holds that may have been placed on the funds deposited.
2 Your minimum payment will be stated in your Line of Credit agreement.\r\n"}}" id="2" class="cmp-text">2 Your minimum payment will be stated in your Line of Credit agreement.
3 Available 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.\r\n"}}" id="3" class="cmp-text">3 Available 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.
4 As defined in the respective Certificates of Insurance. Exclusions and limitations apply. Accidental dismemberment coverage is provided by TD Life Insurance Company (“TD Life”). All other coverages are provided by The Canada Life Assurance Company (“Canada Life”). TD Life is the authorized administrator for this insurance. All customer enquiries should be directed to 1-888-983-7070. TD Life is located at P.O. Box 1, TD Centre, Toronto, ON M5K 1A2. The Canada Life Assurance Company is located at 330 University Avenue, Toronto ON M5G 1R8, toll-free number: 1-800-380-4572. For more details on insurer and/or administrator, as well as all benefits and restrictions, please refer to the respective Certificate of Insurance or Product Summary, Fact Sheet, and Certificate of Insurance (Quebec only).\r\n"}}" id="4" class="cmp-text">4 As defined in the respective Certificates of Insurance. Exclusions and limitations apply. Accidental dismemberment coverage is provided by TD Life Insurance Company (“TD Life”). All other coverages are provided by The Canada Life Assurance Company (“Canada Life”). TD Life is the authorized administrator for this insurance. All customer enquiries should be directed to 1-888-983-7070. TD Life is located at P.O. Box 1, TD Centre, Toronto, ON M5K 1A2. The Canada Life Assurance Company is located at 330 University Avenue, Toronto ON M5G 1R8, toll-free number: 1-800-380-4572. For more details on insurer and/or administrator, as well as all benefits and restrictions, please refer to the respective Certificate of Insurance or Product Summary, Fact Sheet, and Certificate of Insurance (Quebec only).
Eligible TD investments
Consider things like TD savings accounts, Term Deposits, GICs, most TD mutual funds, and certain TD Wealth portfolios. RSPs are not eligible. A banking specialist can help you determine which investments to use to potentially secure a lower interest rate.
variable
Enjoy a competitive line of credit interest rate based on TD Prime Rate. If the interest rate goes down, more of your regular payment goes toward the principal, so you may pay off your balance faster. If the interest rate increases and your payment stays the same, more of your payment will go towards interest, and it may take longer to pay off your balance.
Fixed rate advantage option
Protect yourself from rate increases. Set up regular payments with a fixed interest rate for all or part of your revolving balance.
At the end of your term, any remaining balance returns to the revolving portion of your Line of Credit.
Book an appointment with a TD Advisor for support If using a TD Wealth investment as security, please contact your AdvisorDriver's licence Passport (Canadian/international) NEXUS card Certificate of Indian Status Canadian military identification card Canadian permanent resident card
Personal Line of Credit | TD Canada Trust,AI智能索引,全网链接索引,智能导航,网页索引
- A TD personal line of credit is a flexible way to borrow money to pay for large or ongoing expenses, education or consolidate debt. Learn more from TD today!