Banking 101 – Borrowing

Bank loans and lines of credit can be used to make important purchases, manage home improvements, or even start a business. Conveniently, you can pay the money you owe back in instalments that work for you over time.

Find out more about the different types of loans available to you.

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Budgeting for home renovations

Tips on how you can make renovations work for your budget.
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How to help your child pay for post-secondary: A guide to student finance 

Help your child financially prepare for their post-secondary journey with our parent's guide to student finance.
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Student banking 101: Guide to student financing in Canada 2022 

Here's everything you need to know about how to fund your post-secondary education.
Did you know…
Consumer debt is now over $2.32 trillion in Canada. Canadians are borrowing more money than ever.*

Learn about how to manage your finances and get out debt.

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Manage your budget for unexpected expenses

No matter how much of a planner you are, unexpected expenses will pop up. Here’s how to budget for them.
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Should you buy a house with a friend?

What you should know before investing in real estate together.
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From agent to lender: The 7 key players in the home buying process

Buying a home? It takes a team of experts. Here's what you need to know about who does what on your journey to homeownership.
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Leasing vs. buying a car in Canada

Planning to get a car and thinking about whether to buy or lease? Here are some pros and cons to help you make the final decision.
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What interest rate hikes mean for your mortgage

While rising interest rates are something to be aware of, there are ways you can navigate this with your mortgage.
Did you know…
Nearly three in four Canadians reported that rising prices are affecting their ability to meet day-to-day expenses. Budgeting can help you stay on track.**

Learn about how to make a household budget.

Go to borrowing articles See all Borrowing articles

Useful tools

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Finding a loan that works for you

Our personal loan calculator can help you estimate the payment options that best suit your financial needs.

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Looking for a card that’s right for you?

Take the guesswork out of choosing a credit or debit card. Use our tool to pick the type of reward or benefit that you’re most interested in.

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How much do you need to finance a car?


Try our auto loan calculator for an estimate of what you need to finance your next vehicle.

Let’s have a conversation

A good financial plan can help you accomplish your short and long-term financial goals. A simple chat with our Scotia advisors will get you on the right track.

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