Loans


What is your next chapter? A new car, wedding, renovation?
Personal Loan
Cover one-time expenses like a car or wedding, or large expenses like investments or an aircraft. Borrow the funds you need with a great rate that keeps financing affordable.

Fees: None

Interest Rate: Variable or fixed

Repayment Schedule: Flexible

Features:

  • Flexible terms

  • Competitive interest rates

  • Skip a payment option (conditions apply)

  • Payout any time with no prepayment penalties

  • Quick approval


Auto Loan

Whether it's your first car, second car, a boat, RV, or business vehicle, we can help you find a convenient and flexible solution to finance your dream vehicle.


Fees: None

Interest Rate: Variable or fixed

Repayment Schedule: Flexible

Features:

  • Payout any time with no prepayment penalties

  • Flexible and comfortable payment schedule

  • Finance multiple vehicles

  • Select a rate (fixed or variable) that works best for you

  • Access the amount you need for your car, boat, marine, or RV purchase

Investment Loan

Get the most out of your RRSP or make a lump sum investment purchase that has the potential to grow in value over time.


Fees: None

Interest Rate: Variable

Repayment Schedule: Flexible

Features:

  • Flexible terms and repayment options

  • Competitive interest rates

  • Payout any time with no prepayment penalties

  • Additional disability, life, and critical illness insurance is available for qualifying borrowers


Student Loan

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With this student loan, purchasing a new computer for school is easier than you think.


Fees: None

Interest Rate: Variable 

Repayment Schedule: Flexible

Features:

  • Maximum of a 3 year term

  • Competitive interest rates

  • Payout any time with no prepayment penalties

  • Quick approval

Personalize Your Loan With The Following Options:

  • Personalized payment schedule

  • Interest rate options (fixed or variable)

  • Secured or unsecured

Frequently Asked Questions

A secured loan typically has a higher maximum credit limit and uses assets you own as collateral.

Benefits:

  • Lower interest rate on credit secured by your home or other assets
  • Ongoing access to funds for larger purchases, debt consolidation, or home renovations

Security Required: Yes

An unsecured loan will tend to have a lower maximum credit limit as no assets are acting as collateral.

Benefits:

  • Get access to credit with a quick approval process

  • Ongoing access to funds for everyday purchases 

Security Required: No

While they sound similar, they aren’t. A good starting point is to ask yourself why you need to borrow money. Is it to fund a one-time purchase, or to provide yourself with an ongoing financial buffer? You can't re-borrow from a loan, while a line of credit has a limit you can draw from, repay, and draw from again.

Our lending experts will review your financial situation as well as your short and long-term financial goals to help you find the best borrowing option for you.

Fixed-Rate
The fixed interest rate stays the same for the term chosen. It’s ideal if you’re looking for set payments, and want to know exactly when the loan will be paid off.

Variable Rate
Variable interest rate changes whenever our Prime Rate changes. It’s ideal if you’re not worried about changing interest rates, and want to benefit when interest rates decrease.
If interest rates decrease, more of your regular payment goes towards your principal, so you can pay off your loan faster.

If interest rates increase, more of your regular payment goes towards interest, and the amortization period will increase. Your regular payment may have to be adjusted periodically.

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