Personal Line of Credit

A smart way to borrow responsibly

A TD Personal Line of Credit is a smart borrowing option to finance everyday purchases as well as larger purchases.

Benefits of products

Borrow from $5,000 to $50,000
A smart way to finance your various borrowing needs
Convenient Access
Access your available credit through your TD Access Card1, EasyWeb Online banking, at the ATM, on the TD Mobile App and though cheques
Transfer funds
using EasyWeb Online banking, the TD Mobile App, EasyLine and in branch
Pay for purchases
at retailers with your TD Access Card (TD Access Card must be programmed for your Line of Credit)1.
Use it again
as soon as you pay any of the credit you've used, it’s available again without the need to reapply2
Choose how much you repay
Pay as little as the minimum payment requirement as set out in your Line of Credit Agreement, or any greater amount up to the entire balance
Consolidate debt and save money on interest:
Pay off higher-interest debt with a lower interest option

What are my interest rate options?

Competitive Variable Rate

Enjoy a competitive interest rate based on TD Prime Rate

Fixed Rate Advantage Option

Protect yourself from interest rate increases and establish regular fixed payments by locking all or a portion of your revolving outstanding balance into a fixed interest rate.

At the end of the term, any remaining balance will revert back to the revolving portion of the Line of Credit.

Have a personal consultation to discuss your options.
Call 1 877 247 22651 877 247 2265

Check in with your finances

Debt Consolidation Calculator

See how you can consolidate your debt to stay on top of it.

Cash Flow Calculator

Get a better idea of where you spend your money monthly or annually.

Net Worth Calculator

Compare what you have or own (your assets) to what you owe (your liabilities).

What you’ll need to bring

  • Current address and previous address (if current address is less than 3 years)
  • Your annual income (sources and amount)
  • Your monthly mortgage or rent amount
  • Your monthly payments (loans, credit cards, lines of credit)
  • Household costs (utility, property tax, insurance, etc.)
  • Social Insurance Number (optional)

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Decide which line of credit is right for you

Get details on amounts, rates and more with a side-by-side comparison of all available TD Lines of Credit

TD Loan Life and Disability Insurance

In case of the unexpected, get flexible protection for your line of credit obligations.

Get and Maintain Good Credit

We can help you understand how to establish, maintain, or recover your credit rating.

1 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.

2 Subject to the terms of your Line of Credit Agreement or any applicable holds that may have been placed on the funds deposited.

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