Loans and Lines of Credit › Personal Line of Credit

Personal Line of Credit

A smart way to borrow responsibly

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Benefits of this product

A TD Personal Line of Credit is a smart borrowing option to finance
everyday purchases as well as larger purchases.

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Borrow up to $50,000

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Convenient Access: Access your credit through your TD Access Card1, cheques and EasyWeb online banking.

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Withdraw from an ATM or pay for purchases at retailers with your TD Access Card (TD Access Card must be programmed for your Line of Credit. Fees may apply).

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Transfer funds using EasyWeb Online banking, EasyLine, in branch.

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Use it again as soon as you pay any of the credit you've used, it’s available again.

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Choose how much you repay: Pay as little as the minimum payment requirement as set out in your Line of Credit Agreement, or any greater amount up to the entire balance.


What are my interest rate options?

With a TD Personal Line of Credit, you can combine the flexibility of a
revolving line of credit with the stability of a fixed portion.

Competitive Variable Rate

Fixed Rate Advantage Option

  • Lock all or a portion of your outstanding balance into a fixed interest rate for a one year term and payments can be amortized from one to five years
  • Protect yourself from rate increases and establish regular fixed payments
  • The minimum amount for a Fixed Rate Advantage Option (FRAO) is $2,000. Once the term is finished, any remaining balance will move to the variable rate
  • You can do multiple Fixed Rate Advantage Options, up to 40

Ready to apply?

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You can conveniently submit an online application.

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Book an appoinment

Visit a branch at a time that’s convenient to you

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Call to apply

1 866 222 3456