Loan rates and lines of credit

Below are the current rates for our various loans and lines of credit. For more information on these products, you can click on the titles of the tables on this page.

If you are looking for our mortgage rates, please visit our mortgage rates page.

The rates for our Mastercard ® credit cards are listed on the page listing all of our cards.

Prime Rate (P) = ${p1.tauxBase}

* "Base Rate" means the annual interest rate that the Bank publicly announces from time to time as the reference rate used to establish the interest rate on Canadian dollar loans made by the Bank in Canada

On date of 2023-11-28

Personal Loan*

6-12 months
10.900
9.650
P + 6.500 = 13.700
P + 5.000 = 12.200
13-24 months
11.000
9.750
P + 6.500 = 13.700
P + 5.000 = 12.200
25-36 months
11.000
9.850
P + 6.500 = 13.700
P + 5.000 = 12.200
37-48 months
11.200
10.000
P + 6.500 = 13.700
P + 5.000 = 12.200
49-60 months
11.300
10.150
P + 6.500 = 13.700
P + 5.000 = 12.200


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

RRSP Loan

3-12 months
7.450
7.450
P + 0.750 = 7.950
13-24 months
7.450
7.450
P + 1.250 = 8.450
25-36 months
7.450
7.450
P + 1.750 = 8.950
37-48 months
7.450
7.450
P + 2.250 = 9.450
49-60 months
7.450
7.450
P + 2.250 = 9.450
61-84 months
-----
7.450
P + 2.250 = 9.450
85-120 months
-----
7.450
P + 2.250 = 9.450

RRSP line of credit

RRSP line of credit
P + 1.500 = 8.700

All-In-Oneᵀᴹ line of credit

All-In-One
P + 1.000 = 8.200

$0 and +
0.000
$5,000 and +
0.010
$25,000 and +
0.010
$60,000 and +
0.010
$100,000 and +
0.010

Integrated line of credit ($500 to $4,999)

Integrated line of credit
P + 7.000 = 14.200

Personal Flex Line ($5,000 and +)

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.*Secured by a first mortgage on a second home.

Line of credit on second home

Line of credit on a second home
P + 1.000 = 8.200


*Secured by a first mortgage on a second home.

Student line of credit

With guarantor
P + 1.300 = 8.500

Quebec Student loan

Class B or class E loan*
P + 0.500 = 7.700


*Interest rate on Quebec student loans where borrower is responsible for interest (class "B" = full time; class "E" = part-time).
Note that these are the Quebec government interest rates.

Class C loan*
P + 1.000 = 8.200


*Interest rate on Quebec student loans where borrower is responsible for interest (class "B" = full time; class "E" = part-time).
Note that these are the Quebec government interest rates.

Consumer goods financing*

12 months
8.920
24 months
8.850
36 months
8.710
48 months
8.600
60 months
8.610
84 months
8.910
120 months
8.930

Personal loan secured by collateral mortgage or marine mortgage*

6-12 months
8.390
13-24 months
7.990
25-36 months
7.640
37-48 months
7.490
49-60 months
7.540


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

Little details that matter

TM ALL-IN-ONE is a trademark of National Bank.

® Mastercard is a registered trademark and the circle design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.

® PERSONAL FLEX LINE is a registered trademark of National Bank.