Lines of credit

Get access to credit whenever you need it

At a glance

With a line of credit, you can access the funds at any time and enjoy a lower interest rate than most credit cards. It's great for when you need money fast—to make a payment on time or deal with an emergency.

Perfect if you are looking to:

  • Cover unexpected costs, like home repairs
  • Access credit easily (with your debit card, at the ATM, online, etc.)
  • Reuse the credit you've already repaid when you need it
  • Repay borrowed amounts at your own pace1
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Quick tip

Want to know how much you can afford to borrow? Take a few moments to use our calculator.

Finance your home improvements

Young couple doing home renovations

You can use a line of credit to pay for your home renovations. This product gives you greater flexibility, so it's perfect if your renovations will be done over time and you don't need all the money at once.  Each month, you only need to pay the interest on your outstanding balance. There are no time limitations and you can reuse your credit after paying it off.  If you're planning to renovate your new home, speak to an advisor. We can offer you a financing solution to meet all your needs. Simply provide us with your offer to purchase along with an estimate of your renovation costs.

Make an appointment

Two different lines of credit

Personal Flex Line

Personal Flex Line®

Enjoy a competitive variable rate based on your credit history. Talk to one of our advisors at the branch for details.

Perfect if you're looking to:

  • Borrow $5,000 or more2
  • Use the money for a one-time expense
Virtuoso Line of Credit

Integrated Line of Credit

You'll enjoy an attractive variable rate (prime rate3 + 7%) and pay no management fees4. This line of credit is only available if you sign up for the The TotalTM chequing account.5

Please call the bank for alternatives.

Perfect if you're looking to:

  • Borrow between $500 and $5,0002
  • Protect against overdrafts and cash shortfalls

Ready to take out a line of credit?

Make an appointment
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Tip

Don't leave your debt to your loved ones in case of death, disability or critical illness. Make sure you're protected with loan insurance.

Little details that matter

Learn about our other credit solutions

Personal loans

You can choose a fixed‑ or variable‑rate loan to help you with a major purchase or goal.

See our personal loans

Student lines of credit

You'll only start repaying your student line of credit after you graduate.

See our student line of credit

See all our solutions

Ready to apply for a line of credit?

Meet with an advisor for personalized assistance.

Make an appointment

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Terms of use
National Bank’s virtual assistant

When using our Virtual Assistant Service (the "Chatbot"), you accept these Terms of Use, which are subject to change without notice. Furthermore, you agree to consult these Terms of Use from time to time and acknowledge that your continuing use of the Chatbot means that you have accepted any changes that may have been made. Your continued use of the Chatbot means that you’ve read, understand and agree to these Terms of Use, the Terms of Use for our website, our Online transaction services, and to our privacy policy. You also understand any other agreements that you have with us will continue to apply when you use the Chatbot.

1. Our Services and your responsibilities

The Chatbot is an automated service which is integrated into our online banking platform.

The Chatbot is preprogrammed to answer general questions concerning the use of our online banking platform solely for informational purposes. The Chatbot is not able to answer questions on personal monetary transactions or products you hold with us.

By using the Chatbot, you understand and agree that:

  • The Chatbot does not provide financial advice or financial planning services.
  • The Chatbot does not conduct any banking transactions.
  • The Chatbot may not be able to answer all your questions. Therefore, it may not be able to provide you with the information you require. You must judge whether the answer provided responds to your question accurately. In the case of uncertainty, a customer service representative would be happy to help you. You can call us toll free at 1-888-483-5628 or 514-394-5555.
  • The Chatbot is not a complaint service. You cannot use the Chatbot to file complaints. If you have any complaints, you can contact us at the number indicated above.
  • We monitor, record and store the discussion that you have with the Chatbot to improve our interactions with our clients.
  • You will not provide the Chatbot with any confidential, personal, or private information. For example, you will not provide the Chatbot with your login information, PIN or other personal banking information.

2. Limitation of Liability

You acknowledge that we won’t be liable for any losses or damages that you may suffer as a result of your use of the Chatbot, including if the Chatbot is unavailable for any reason.

We cannot guarantee that the results obtained via the Chatbot will be accurate and reliable and that the answers provided will meet your expectations.

We will not be held liable for damages you incur as a result of:

  • Any delay, error, interruption or omission on our part or any other event beyond our control.
  • Any deficiency or technical error or any unavailability of our systems and wireless networks.
  • Your failure to meet any of your obligations.
  • Any amendment to or suspension, refusal or blockage of the Chatbot.
  • Any decision or measure you take in response to information and data obtained via the Chatbot.
  • Any other damages you may incur that are not caused by negligence on our part.

3. Language

You have requested that these Terms of Use, and related documents be drawn up in English.

4. Governing Law

These Terms of Use are governed and must be interpreted in accordance with the laws in force in the province or territory where you reside. If you reside outside Canada, the laws in force and the courts of competent jurisdiction are those of the province of Quebec.

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