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Loans & Lines of Credit

No matter the goal, we're here to help you find the right financial solution with our flexible borrowing options.


    Explore our personal lending solutions

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    Personal Loans

    A personal loan can help fund a major purchase, pay for education, or consolidate high interest rate debt - the choice is yours.
    • Terms from 1-5 or 7 years
    • Choose weekly, bi-weekly, semi-monthly or monthly payment schedule options
    • Repay whole or part of the loan at any time without penalty
    • Competitive rates
    • Quick, local approvals


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    Investment Loans

    Maximize your annual RRSP or TFSA contribution or catch up on unused contribution room with an investment loan.

    Short-Term Loans

    • Minimum amount $5,000
    • No maximum
    • 1-5 year amortization
    • Fixed interest rate of Prime - 1%
    • Repay whole or part of the loan at any time with no penalty
    • Delay payments for up to 90 days
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    Lines of Credit

    Life can be unpredictable, have peace of mind knowing that money is available at any time through a line of credit attached to your account.

    • Only pay interest on the funds you use
    • Attached to your chequing account, providing overdraft protection
    • As you pay the line off, the money is available again
    • Competitive rates
    • Local approvals
    • Interest is calculated and debited from the account on the last business day of each month
    • Deposit to the account of an amount equal to or greater than the previous month's interest charge is required by the 27th day of the month
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    EnergySave Loans

    Finance your green home upgrade with affordable rates and flexible payment terms.
    • Loan amounts starting at $3,500
    • Prime + 0.75%*
    • Terms up to 10 years

    Eligible Upgrades

    • Insulation
    • Energy efficient windows and doors
    • Heat pumps and energy efficient furnaces
    • Solar panels

    Want to make sure your project qualifies?

    Contact us


    Personal Loan Special

    Available until March 31, 2024*

    Ready to take control of your finances?

    • Borrow up to $20,000
    • Loan repayment term of 5 years
    • Local approvals
    • Insure1 your loan and receive rate discount
    ¹Legal Disclaimer:
    Payment protection coverage is optional and is underwritten and provided by Canadian Premier Life Insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements.

    *Offer available until March 31, 2024. Some conditons upon approval. Maximum loan amount of $20,000 with no fees, fixed interest rate of 8.99% compounded monthly, over 60-year term. Monthly payments of $415.08 per month which can be paid at any time with no penalty. Rates subject to change without notice.

    Ready to apply?

    Start your borrowing journey in just a few clicks with our easy online application.

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    Try our loan calculator

    Find out how much home you can afford with different terms and payments.

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    Check out our competitive rates

    Explore our competitive rates based on Northern Savings’ Prime rate.

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    Need help getting started?

    Our team of local lending experts can answer your questions.

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    Neighbours Helping Neighbours.

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