Finding the right borrowing product is easy.

What is your main reason for borrowing?
What is your main reason
for borrowing?
Which benefit is most important to you?
How much would you like
to borrow?
$0 $75,000+
You'd like your monthly payments to be:
You'd like your monthly
payments to be: Need help?

Not sure which option to choose? We can help.

Same payment month to month
When you keep your payments the same every month, you have a consistent amount to allow for in your budget.
Flexible payments
When you choose to go with flexible payments, you can control how much you want to pay each month, giving you more control over your daily cash flow.
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Our most popular borrowing options: Based on what you told us, we recommend  product: Based on what you told us, we recommend  products:

Scotiabank Mortgages

  • Choose from fixed or variable mortgage options
  • Turn your mortgage into an asset with our Scotia Total Equity Plan
  • Consider our special programs, such as our Save Now, Save Later Mortgage
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ScotiaLine®

Personal Line of Credit

  • Ideal for immediate access to money when you need it
  • No cost if you don't carry a balance
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Scotia Plan®

Personal Loan

  • A plan that's designed to fit your budget and schedule
  • Fixed interest rates
  • Fixed monthly payments
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Scotiabank VISA*

  • A variety of cards – one to suit your lifestyle
  • Cash back, travel and entertainment rewards, and more
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Scotia Plan®

Auto Loan

  • An easy and convenient source of extra funds for buying a new vehicle
  • Fixed interest rates
  • Convenient monthly payments
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ScotiaLine®

Personal Line of Credit for Students

  • A line of credit just for students
  • Only pay interest on what you use
  • 12-month grace period after graduation on principal repayment
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Scotia Professional®

Student Plan

  • A customized banking program for students
  • Suited for students pursuing professional degrees in medicine, law, and other select programs
Learn More

Scotia®

RSP Catch-Up Loan

  • Borrow to maximize your RSP contributions
  • Very competitive interest rate
  • Take up to 15 years to repay up to $50,000
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Scotia RSP Catch-Up®

Line of Credit

  • Designed to maximize contributions to your RSP
  • Borrow up to $50,000 at a low rate
  • Pay no interest until you use your line of credit
Learn More