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Registered Investment Loan

Catch up or top up your RRSP investments and spread out your payments with an affordable loan at a great rate.

Maximize your RRSP contributions.

Features of this loan
  • Easy and flexible repayment options
  • Available as a term loan for up to eight years
  • Additional disability, life, and critical illness insurance is available for qualifying borrowers*

Benefits included with all of our loans

Receive answers quickly and efficiently with in-house approvals


Competitive interest rates keep borrowing affordable


Select payment options and terms that fit your budget

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Get ready for your lending meeting

Meeting with a lending specialist is a great opportunity for you to ask questions and explore your borrowing options. Here’s what we need you to bring.

Download our checklist

Tips & tools

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Explore related products

Registered Investment Loans pair well with an Overdraft Link Line, Registered Retirement Savings Plans, and Tax-Free Savings Accounts.
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Considering leveraged investing?

If you’re a homeowner, it’s possible to leverage your equity to secure a better financial future for yourself and your family. Read our article to find out how.
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Choosing between a loan or line of credit?

Read our article to explore the differences between borrowing products, and determine which one is right for your needs.

Personal borrowing rates

Interest Rate
Standard loan rate 6.95%
Line of Credit 7.95%
Personal Loan 7.95%
StudentFLEXTM Line of Credit Rates Vary
Overdraft Link Line 18.0%
e-Loan Rates Vary

Loan / line of credit / mortgage insurance coverage is optional and is underwritten and provided by CUMIS Life Insurance Company.  Creditor’s group insurance coverage is optional and is underwritten by Co-operators Life Insurance Company. Supporting services, such as enrollment intake, medical underwriting and claims administration are provided by the employees of CUMIS Services Incorporated. Coverage is governed by the terms and conditions of the creditor’s group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full coverage details.

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