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RRSP loans

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Our RRSP loans

Borrowing to contribute to your RRSP could be beneficial. The real cost of the loan is offset by your income tax savings, and, of course, by the investment income that accumulates tax-free.

Available at an attractive low interest rate for a loan to invest in your RRSP. With flexible payment options.

  • Fixed or variable rate depending on term
  • Loan term of 1 to 10 years
  • Weekly, bi-weekly or monthly payments

Learn more - RRSP Loan

Financing method that compares favourably to the RRSP loan and whose interest rate is as good as that on a caisse RRSP loan.

  • Available in just a few minutes through AccèsD Internet and Telephone services
  • Fixed interest rate, depending on term
  • Loan terms of 1 to 10 years, with the option of deferring principal payments for a 6-month period, until you get your income tax refund (if you are eligible for such a refund)

Learn more - Accord D RRSP financing

Documents to bring to your meeting with an advisor

  • Proof of income (pay stub, etc.)
  • Investment statements
  • Other loan statements (including consolidated loans)
  • Tax bills or leases
  • Last Federal Notice of Assessment

Make an appointment with an advisor at a caisse.

Useful links

Accord D RRSP financing
($12,500 or less) - Fixed rate
As of September 21, 2018
Term Rate
1 year 4.75%
5 years 6.35%
10 years 7.60%

Other rates - RRSP loan