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  • RRSP Loans

No funds? No problem.

Borrowing for Your RRSP Could Help You Build a Secure Retirement

Making the maximum contribution to your Registered Retirement Savings Plan (RRSP) each year is one of the best ways to build a secure retirement. But there are times when it's hard to find all the money.

Registered Retirement Savings Plan (RRSP)

A Registered Retirement Savings Plan (RRSP) is a retirement savings account registered with the government. Contributions to your RRSP are tax-deferred until you withdraw. The contribution amount is deducted from your gross income, potentially lowering the tax you pay on your income today.

Regular RSP Loan

Interest Rate 

2.45%* 

(*Rate based on an Insured loan)

Term Length 

12 Months 

Borrow Up To

Maximum amount is your RSP contribution limit

Payment Defferal 

Deferred first payment of 90 days and interest free for that period

RRSP Quick Loan Application

Interest Rate

3.45%

Term Length

12 Months

Borrow Up To

$25,000


RRSP Catch Up Loans

Interest Rate

4.45% 

Up to 60 Months 

Borrow up to $10,000 

Up to 84 Months

Borrow up to $10,000 - $50,000


Start your loan application today

The rates will default to posted rates in the application form, and may be adjusted after advisor review. If we have helped you with lending in the past, your information will conveniently auto-populate in the application form.

Note: you must be 19 years of age or older to apply.