Lower Your Overall Cost of Borrowing

Borrowing Basics

Credit gives you the freedom and power to do things now, to be better off and get ahead.

Save money while you borrow money

The key is to get ahead without getting in over your head.

Save money while you borrow money

The key is to get ahead without getting in over your head.

Scotiabank Value® VISA* card


By transferring balances from higher rate cards, you could save hundreds of dollars in interest each year with the low rate Scotiabank Value VISA card.

ScotiaGold® Passport™ VISA card 

The ScotiaGold® Passport™ VISA card offers the "Best Value in Gold".


Scotiabank Personal Loans

Scotiabank Personal Loans offer competitive fixed rates and personalized payment plans that fit your needs. You can also manage your loans online anywhere and at any time.

ScotiaLine Personal Line of Credit

With a ScotiaLine Personal Line of Credit, you'll have immediate access to your money whenever and wherever you need it, with a high limit and no annual fee.


Scotia Total Equity™ Plan

The Scotia Total Equity Plan allows you to secure your borrowing with the equity built up in your home, so you can enjoy even lower interest rates.

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