Personal Loans

Whether it's a new kitchen, new car, your dream vacation or an unexpected expense, we can help you fund it with a personal loan.


  • Six months to seven years, with longer amortization available, depending on your needs
  • Choose from a fixed or variable interest rate
  • Leverage the equity you've built up in your home to qualify for a preferred rate
  • Choose from weekly, bi-weekly, semi-monthly or monthly payments
  • Make payments with convenient pre-authorized debit direct from your account
  • Make a full or partial pre-payment at any time without penalty
  • Optional creditor insurance available***


RRSP Loans

Looking to max out or increase your RRSP contribution at the last minute? While the best RRSP strategy is to contribute monthly, it's not always possible. With an RRSP loan, you can increase your contribution or ensure you don't miss a year. And then pay off the loan with your tax refund! 

You can also borrow enough to take advantage of unused contribution room from previous years and get an even bigger tax break.

If you take out an RRSP loan, contribute before the deadline and file your taxes fast; your refund can be directly applied to pay down your loan. It's also a good idea to set a fixed payment schedule to pay down the loan as quickly as possible.

The goal is to get your money into your RRSP, earning a solid return, and maximizing the tax benefit. The faster you pay off what you owe, the less you pay in interest.

The higher your tax bracket, the more you should consider the benefits of taking out an RRSP loan, particularly if you have substantial contribution room available from previous years. If you take out a loan in February and you don't owe any tax, your RRSP contribution will account for your entire refund. If you immediately put it towards the loan, the balance can be paid off monthly before RRSP season rolls around again.

Loan Calculator

See how different payment frequencies, amounts, and rates affect payback.

BlueShore Financial, Financial Advisor, Raphael Ambrozewicz

Raphael Ambrozewicz

Financial Advisor

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*** Payment protection coverage is optional and is underwritten and provided by CUMIS 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.