Money you can borrow, just in case.
Expect the unexpected
Set up a pre-established limit based on your credit approval, then get reusable, low-interest access to that amount as long as you need.
Stay connected
Link your Personal Line of Credit (LOC) to your ATB chequing account so you can use your LOC to transfer money and make point-of-sale purchases.
Repay on your terms
Make the minimum monthly interest payment or pay more—up to the entire balance. There's no repayment deadline and no fixed term.
Key product details
| Interest rate | Variable, based on ATB's prime rate |
| Fees | None |
| Credit limit | $5,000-$50,0001 |
| Repayment schedule | Flexible |
Frequently Asked Questions
Yes. If you require more than $50,000, you can pledge an investment deposit (basically, commit to investing the money you're borrowing) and borrow a higher amount—dependent on approved credit and the size of your investment deposit. It's probably a good idea to talk to your banker to see if this is a smart move for you.
In addition to unsecured lines of credit, clients have the option to place a security for the LOC that will help them save money through a lower interest rate. The security can be in the form of GICs or other eligible securities. An ATB borrowing expert can help you determine the eligibility of a security.
Ready to get started?
No matter what your needs are, a Personal Line of Credit can be there for you.
Apply online or call 1-800-332-8383 to speak with an ATB loan expert.
Find the line of credit that's right for you
Flexible, convenient and available
ATB Flex Home Equity Line of CreditTM
Turn your home equity into a powerful tool for low-cost financing. As your mortgage gets paid down, your access to funds increases.
Leverage your existing assets
Home Equity Line of Credit (HELOC)
Put your home to work for you. With a preferred interest rate, redo your kitchen, build an addition or consolidate your debts.
Create a financial cushion
Personal Line of Credit
Set a limit and borrow at low interest—no running into overdrafts or scrambling for another form of payment while shopping.
Based on approved credit.
Related documents: Little Book of Personal Line of Credit (PDF)