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What is RSP Loan?

TD has two RSP Loan options:

TD On the Spot RSP Loan

Amounts available up to your contribution room for that year 

Amortized over 1 year

Possibility of no payments for 120 days: interest continues to accrue.

TD Carry Forward RSP Loan

Designed  for unused contribution room from previous years where you can borrow up to $50,000 

Amortized up to 10 years

Possibility of no payments for 120 days: interest continues to accrue.

To apply for an RSP Loan or set up an appointment, please call a TD Canada Trust branch or 1 866 222 3456.

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