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Personal Line of Credit

A line of credit provides a convenient one-time loan arrangement to cover fluctuating cash flow needs.

Line of Credit icon

Benefits of a Line of Credit:

  • Available starting at $5,000;
  • You can easily access your line of credit by making a cash withdrawal, using your Debit Card at ATMs or retailers, or by writing a cheque;
  • Interest rates are substantially lower than a conventional credit card rate;
  • Interest is paid only on the amount actually used for the length of time you use it;
  • Use the line of credit as a reserve for emergencies;
  • Repayment schedule is very flexible to suit your needs. A minimum monthly interest-only payment is the only requirement;
  • Repay the line of credit any time without penalty;
  • Attached to a chequing account, you can control and keep a record of personal finances;
  • Loan protection insurance so that you are secured in the event of an unexpected setback.

Applying for a line of credit takes 5 minutes

Lines of Credit rates

View our current rates.

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Payment protection coverage is optional and is underwritten and provided by CUMIS Life Insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements.