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Imagine the difference a ScotiaLine® Personal Line of Credit can make in your life. It gives you real control over your finances because you have immediate access to money whenever and wherever you need it or want it.
Use it to buy a car or an RV... travel... pay off high interest debt... renovate your home... make an investment. It's your choice! A one-time application is all it takes.
 You don’t need funds right now? Think of the comfort of having a ready source of cash for emergencies and unplanned expenses. Since there is no annual fee, there's no cost to you if there is no balance.
Features that matter:
- Credit limit from $5,000 up to $50,000 (unsecured) or $1,500,000 (secured)*
- Interest rates as low as Scotiabank Prime rate*
- Free personalized cheques
- Custom Cheques available for purchase**
- Itemized statements
- ScotiaLine Protection — for your peace of mind
Money at your fingertips
Access your funds by writing a ScotiaLine cheque or by using TeleScotia® telephone banking, Scotia OnLine® Internet banking or your ScotiaCard™ at any Scotiabank Automated Banking Machine (ABM).
Flexible repayment options
Your minimum monthly payment could be as low as interest only***. How much more you pay is really up to you. You can pay off your entire balance without penalty.
Making a payment is also easy. Pay at a bank machine, by telephone, via the Internet, at a branch or by mail.
Other options
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 The ScotiaLine VISA* account combines the low rates and high credit limits of a ScotiaLine line of credit, with the anywhere, anytime convenience of NO-FEE VISA card access. Apply online for an unsecured ScotiaLine VISA account.
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ScotiaLine Personal Line of Credit and ScotiaLine VISA accounts are both available under the Scotia Total Equity™ Plan - an innovative borrowing plan that lets you use the equity in your home to lower the cost of your borrowing.
Apply online for an unsecured ScotiaLine Personal Line of Credit. To find out more about ScotiaLine Personal Line of Credit, please contact your Scotiabank branch or call 1-888-882-8958.
*Subject to credit approval & security provided.The interest rate you pay on a ScotiaLine Personal Line of Credit will vary with Scotiabank Prime. Scotiabank Prime is the prime lending rate of The Bank of Nova Scotia as published from time to time. For information on the Scotiabank Prime, check current rates. Find full information on interest and non-interest costs on lines of credit on the Personal Credit Agreement Companion Booklet or you can call 1-888-882-8958.
** To buy ScotiaLine Personal Line of Credit customized cheques and accessories, please contact your Scotiabank branch.
*** Also subject to credit approval and security provided. Interest-only monthly minimum payment will be the interest charge amount, but no less than $50, whichever is greater.
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