Flexible borrowing solutions

Achieve your goals at every stage of life

Find the financing solution that's right for you

Want to learn more about borrowing?

Ask yourself these three key questions to find out which loan is best for you.


Go ↓

Ready to apply for a loan or line of credit?

Explore our solutions and apply online.


Need advice?

Meet with an advisor to find the loan that's right for you.

3 questions to help you choose a financing solution

Step 1 icon

What are your plans?

Whether you're looking to buy a home or a car, go back to school or maximize your retirement savings, there's a loan for you.


A loan to suit your needs

Becoming a homeowner

Buying a car

Going back to school

Maximizing your RRSP contributions

Step 2 icon

How much can you borrow?

To have a better idea of how much you should borrow, start by figuring out how much you could afford to repay each month.

Based on this, you can work out how much you can afford to borrow. Use our handy calculator!




Step 3 icon

Line of credit or personal loan?

Are you short on cash or in need of an emergency fund? A line of credit is a great solution, and you only need to repay the interest each month. If you have a big expense coming up, a personal loan offers flexible repayment terms and you can pay it off faster, without having to pay a penalty.

What you need to know

Fixed rate

Fixed rate

The rate stays the same throughout the term.

Perfect if:
You want to know exactly how much interest you'll pay throughout the loan term

Variable rate

Variable rate

The rate is adjusted based on fluctuations in the prime rate1.

Perfect if:
You want to take advantage when rates drop and save money

How a loan works

How a loan works

You'll need to submit a new application each time you want to borrow, and your repayments will be scheduled in advance.

Perfect if:
You want to pay the same monthly amount over a set period of time

How a line of credit works

How a line of credit works

Submit a single application and use the available credit when you need it.

Perfect if:
You want the option of only repaying interest each month and accessing funds whenever you need them

Magic wand icon


Don't leave your debt to loved ones in case of death, disability or critical illness. Make sure you're protected with loan insurance.

See all our borrowing solutions

Personal loans and lines of credit

Lines of credit

Flexible financing when you need it—you can also re-borrow any amounts you've repaid.

See our lines of credit

Personal loans

You can choose a fixed or variable rate loan to help you with a major purchase or goal.

See our personal loans

RRSP loans and lines of credit

Get a term loan or line of credit to maximize your RRSP contributions.

See our RRSP loans and lines of credit

Car loans

Submit an online application for made-to-measure financing so you can buy a vehicle that fits your budget. 

See our car loans

Student line of credit

You'll only start repaying your student line of credit after you graduate.

See our student line of credit

Complementary solutions

Credit cards

Choose a Mastercard® credit card and enjoy great perks like rewards plans and cashbacks.

See our credit cards

Loan insurance

When you take out insurance on a personal loan or line of credit, you can benefit from three types of coverage (disability, critical illness, life).

See loan insurance

Mortgage solutions

Mortgage loans and lines of credit

Find the best rate for your budget and leverage your home equity to finance new projects.

See mortgages

Meet with an advisor to find the loan that's right for you.

Make an appointment
Speech bubble icon

Expert advice

Tell me more

Screwdriver and wrench icon


Take stock of your financial situation.

Little details that matter

® Mastercard is a registered trademark of Mastercard International Inc. Authorized user: National Bank.

  1. "Prime" means the annual variable interest rate posted by National Bank, from time to time, and used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada.

Understanding credit

Ready to apply for financing?

Talk to an advisor for personalized advice or submit an application online.

Make an appointment

Picto of a question mark in a circle
Locator icon