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Rates for Personal Loans and Lines of credit

Rate (%) as of December 14, 2018 10:00 PM

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Personal loan *
Prime (P) = 3.950

Terms (months) Fixed rate Variable rate
Less than $10,000 $10,000 and over Less than $10,000 $10,000 and over
6-12 10.900 9.650 P+ 6.500 = 10.450 P+ 5.000 = 8.950
13-24 11.000 9.750
25-36 11.000 9.850
37-48 11.200 10.000
49-60 11.300 10.150

* These rates may be adjusted depending on the client's file.

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RRSP loan
Prime (P) = 3.950

Terms (months) Fixed rate   Variable rate
Less than $10,000 $10,000 and over
3-12 5.250 5.000 P+ 0.750 = 4.700
13-24 6.250 5.500 P+ 1.250 = 5.200
25-36 6.250 5.500 P+ 1.750 = 5.700
37-48 6.500 6.250 P+ 2.250 = 6.200
49-60 6.750 6.500
61-84 ---- 6.750
85-120 ---- 7.250

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RRSP line of credit
Prime (P) = 3.950

  Rate
RRSP line of credit P+ 1.500 = 5.450

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National Bank All-In-One 
Prime (P) = 3.950

  Rate
All-In-One P + 1.00 = 4.950
Credit interest
$0 and + 0.000
$5,000 and + 0.250
$25,000 and + 0.250
$60,000 and + 0.250
$100,000 and + 0.250

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Integrated Line of credit ($500 to $4,999)
Prime (P) = 3.950

  Rate
The Virtuoso Line of credit P+ 7.000 = 10.950

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Personal Flex Line ($5,000 and +)

  Rate
Personal Flex Line To obtain our rates*, contact a National Bank advisor in branch.

* Our rates may be adjusted depending on the client's file and on the client's authorized limit.

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Line of credit on a second home ($5,000 and +)
Prime (P) = 3.950

  Rate
Line of credit secured by a first mortgage on a second home P + 1.000 = 4.950

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Home Improvement Line of Credit ($5,000 and +)
Prime (P) = 3.950

  Rate
Home Improvement Line of Credit P+ 3.000 = 6.950

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Student Line of Credit
Prime (P) = 3.950

  Rate
With guarantor P+ 2.000 = 5.950
Without guarantor P+ 2.750 = 6.700

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Quebec Student Loan
Prime (P) = 3.950

Class B or class E loan*
Variable rate P+ 0.500 = 4.450

*Interest rate on Quebec student loans where borrower is responsible for interest (class "B" full time; class "E" part-time).

Class C loan* 1 year
Fixed rate P+ 1.000 = 4.950

*Interest rate set at disbursement date and revised annually on PC loans (class "C").

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Loan of money, Contract of sale by instalment, Conditional sale contract at rate subject to change
(consumer goods financing)

Terms (months) Reference Rate
12 5.930
24 6.210
36 6.360
48 6.360
60 6.430
84 6.780
120 6.810

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Personal loan secured by collateral mortgage or marine mortgage *

Terms (months) Rate
6-12 4.140
13-24 4.390
25-36 4.800
37-48 5.390
49-60 5.840

* These rates may be adjusted depending on the client's file

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N.B.
Rates subject to change without notice.