Personal
Home Bank accounts
Credit cards
Borrowing
Mortgages
Savings and investments
Insurance
Wealth Management
Home
CLOSE

Personal loans

Make it happen

Apply for a loan

At a glance

A personal loan is a great way to cover expenses like preparing for the arrival of a new baby, paying for your wedding or travelling abroad.

Perfect if you are looking to:

  • Make your plans a reality 
  • Choose a fixed rate to simplify your finances or a variable rate to take advantage of lower interest rates
  • Pay off your debt quickly without penalty
  • Enjoy flexible repayment terms
Thumbs up icon

Quick tip

Interested in finding out how much you could afford to borrow based on your budget? Take a few moments to calculate now.

Fixed or variable rate: It's up to you

Fixed rate

Fixed-rate personal loan

The rate remains the same until the end of the term.

Perfect if you are looking to:

  • Pay fixed amounts
  • Know exactly how much interest you will pay for the entire loan duration
Variable rate

Variable-rate personal loan

The rate is adjusted monthly based on prime rate1 fluctuations.

Perfect if you are looking to:

  • Save if interest rates go down

Need financing to make your plans a reality?

Apply for a loan
Magic wand icon

Tip

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

Little details that matter

Personal loan rates

The rate is adjusted based on your credit history and the authorized loan amount. For more information, contact a branch advisor.

Legal Disclaimer

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.

Learn about our other credit solutions

Lines of credit

Access flexible financing whenever you need it.

See our lines of credit

Car loans

Apply for a car loan online in a few easy steps.

See our car loans

See all our solutions

Ready to apply for a loan?

Fill out the online form or meet with an advisor for personalized assistance.

Apply for a loan
Telephone icon
Locator icon