Choose a borrowing solution that's right for you

Our wide selection of borrowing products including mortgages, lines of credit and loans combined with support from our Home Financing Advisors can help you meet your financial goals.

Not sure where to start?

Visit Borrowing Advice

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Call us and let us help:

Finding the right borrowing product is easy.

What is your main reason
for borrowing?
How much would you like
to borrow?
$0 $75,000+
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 VISA*

  • A variety of cards – one to suit your lifestyle
  • Cash back, travel and entertainment rewards, and more
Learn More

Scotia Plan®

Auto Loan

  • An easy and convenient source of extra funds for buying a new vehicle
  • Option of a fixed or variable interest rate
  • Convenient monthly payments
Learn More


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
Learn More

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


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
Learn More

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