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The following information will be required when applying for a line of credit:

  • Personal information (name, address, phone, email, birth date, marital status, social insurance number, etc.)
  • Financial information (details of what you own and what you owe, individualy and jointly)
  • Employment information (employer, occupation, salary, length of time worked, etc.)
  • Details regarding the purpose of the line of credit

Other information may be requested in order to evaluate your line of credit request.
If the loan is joint, all loan applicants will need to provide the required information.

  • A loan provides you with the approved amount of funds upfront and requires you to make regularly scheduled payments over a defined period of time until the loan is paid in full.
  • A line of credit provides you with a pre-approved borrowing limit that is attached to your chequing account and is available to you at all times. You borrow against your line of credit by making withdrawals from your account (in-branch, cheque, debit, ATM, etc.) and you repay the line of credit by making deposits to your account. You are charged interest only when you utilize the line of credit.