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Borrow Better with a TD Personal Loan
Submit an online application
Why apply for a Personal Loan?
The differences between fixed and variable rates
Fixed Rate
- With a fixed interest rate, your rate and payment stay the same each month, and you know when your loan will be paid off.
- Even if the TD Prime Rate changes, your interest rate will stay the same.
Variable Rate
- With a variable rate loan, the interest rate can change during the term and the amount of your principal and interest payment may change. We will notify you if your payment amount changes.
- If the interest rate goes down, more of your regular loan payment goes toward the principal, so you may pay off your loan faster.
- If the interest rate increases and your payment stays the same, more of your payment will go towards interest and it may take longer to pay off your loan.
Frequently Asked Questions
TD customers can apply for most types of TD Personal Loans online here.
Some types of loans, such as car loans or RSP loans, require an in-person visit to a TD branch to apply. This is also the case for any TD Personal Loan if you are a new TD customer. You can book your meeting here, or by calling us at 1-866-222-3456.
TD customers can apply for most TD Personal Loans online here.
To apply for other types of loans, such as car loans or RSP loans, you can book an in-person meeting here , or by calling us at 1-866-222-3456. This also applies if you are a new TD customer.
A TD Personal Loan can be used for a wide range of needs, including home renovations, major purchases, paying off higher-interest debts and planning for retirement.
Depending on several factors (including your income and credit score), you could borrow up to $50,000.
Personal loan payments can be monthly, weekly, bi-weekly, and semi-monthly. Each payment consists of a portion of interest and a portion of principal. The proportion of interest is higher in the first payment, and it is reduced as the principal is repaid.
Interest is calculated daily on the outstanding principal balance and payable based on your repayment schedule (monthly, weekly, bi-weekly, or semi-monthly).
It's easy to view the details of your loan in EasyWeb:
1. Log in to EasyWeb using your username Access Card number and EasyWeb password.
2. From My Accounts > Accounts, click on your loan name in your account summary.
TD Auto Finance loans are offered through affiliated dealerships for the purchase of a personal automobile, a recreational vehicle, or a small business vehicle loan.
Personal loans with TD are available directly to any applicant and are not restricted to the purchase of a vehicle.
Learn more about Borrowing
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Application Checklist
To start your application, there are a few things we’ll need from you:
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Government-issued identification (original and not expired) Examples of valid ID
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Proof of income
- If employed, provide your last two paystubs
- If self-employed, provide your last two Notice of Assessment documents (tax returns) -
Expense statements: Mortgage/rent payments, utility bills, taxes, other credit statements, etc.
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Bank account details form for the deposit of funds and to schedule repayment
-
Adding a co-signer?
The same information and documents will also be needed from them -
Applying to consolidate debt?
We’ll need up- to- date statements of those accounts, including their balances and account details -
You consent to credit checks
As part of this credit check, we will give your information to credit bureaus and other lenders. They will give reports and information to us, about you, to help assess your eligibility and creditworthiness.
-
Government-issued identification (original and not expired) Examples of valid ID
-
Proof of income
- If employed, provide your last two paystubs
- If self-employed, provide your last two Notice of Assessment documents (tax returns) -
Expense statements: Mortgage/rent payments, utility bills, taxes, other credit statements, etc.
-
Bank account details form for the deposit of funds and to schedule repayment
-
Adding a co-signer?
The same information and documents will also be needed from them -
Applying to consolidate debt?
We’ll need up- to- date statements of those accounts, including their balances and account details -
You consent to credit checks
As part of this credit check, we will give your information to credit bureaus and other lenders. They will give reports and information to us, about you, to help assess your eligibility and creditworthiness.