A Personal Line of Credit is a revolving source of funds, up to an approved amount, that you can access when you need them. Any amount you repay is accessible to you again without reapplying. A line of credit lets you write cheques and make ATM withdrawals, and you only pay interest on the funds you use. It’s the preferred choice over a credit card if you plan on carrying a balance for an extended period of time. Check out our Simplii Financial Cash Back Visa* card if you want available credit and intend to pay off your balance every month.

Borrow with peace of mind at great rates
Let us help with your borrowing needs whether it be consolidating your debt or funding your next unexpected expense, big purchase or renovations.






Bring a friend. Earn $50. Repeat. 

Earn $50 each time a friend opens a Personal Line of Credit or another eligible account using your unique referral link. You can refer as many friends as you want, so share your link and spread the word – your friends will get $50 too.

More on borrowing


Creditor Insurance

If you can’t make your personal line of credit payments because of job loss, disability or death, Creditor Insurance can help protect you and your family. You can insure your personal line of credit with one or all three types of coverage.

Visit the Creditor Insurance page to learn more and review our rates.

To add Creditor Insurance to your personal line of credit, please call 1-888-723-8881Opens your phone app..

Verify your identity with ease

NEW Digital banking has never been so simple. Now with Document Verification by Verified.Me you can verify your identity safely from the comfort of your own home. 

Can't find what you're looking for?

Other questions people were interested in.