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You are here: Home > Personal > Cards, loans and credit > Auto and other vehicle loans > Personal Line of Credit

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Personal Line of Credit

Have a pre-approved amount available to use at any time and for any purpose

This line of credit is an excellent choice if you manage your credit well and can withstand moderate interest rate fluctuations.

  • Enjoy a variable interest rate based on the amount borrowed.
  • Make daily, weekly or monthly payments.
  • Access funds easily through your chequing account.

Line of credit features you’ll like the most

Interest paid only on amount used

Interest is calculated on the daily balance.

No prepayment penalties

Pay off your lain whenever you want, in part or in full, without being charged extra fees.

Choice of repayment methods

A percentage of the monthly balance, a fixed or variable amount, or just the monthly interest.

Quick access to funds

At an ATM, via AccèsD Internet or by phone at 1-800-CAISSES (1-800-224-7737).

Interest rate

  • Variable rate based on the amount, your financial assets and collateral provided, if required.
  • Variable in relation to the prime rate charged by financial institutions.
  • Interest is calculated on the daily balance so you only pay interest on the amount you have used.

Amount available

  • Minimum line of credit of $5,000.
  • The amount available is set based on your needs, financial situation and ability to repay.
  • The limit of an existing line of credit can be adjusted if needed.

Repayment

  • Flexible loan payment frequency: daily, weekly or monthly.
  • You can choose to pay:
    • a percentage of the monthly balance
    • a fixed or variable amount
    • or just the monthly interest
  • No prepayment penalties. Pay off your loan whenever you want, in part or in full, without being charged extra fees.

Access to funds

  • At an ATM, via AccèsD Internet or by phone at 1 800 CAISSES (1 800 224-7737).
  • By using special cheques available from your advisor to directly access your line of credit without affecting the balance of your personal chequing acount.

Other

  • Line of credit transactions appear on your monthly statement of account.
  • No administration fees.
  • Line of Credit Insurance (life and disability) available.
    Learn more about Line of Credit Insurance.
  • Eligible for potential member dividends.
    Learn more about member dividends.

Did you know?
If you occasionally need financing under $5,000, overdraft transfer may be just what you need.

Learn more about the overdraft transfer

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