Personal loan
Make your projects a reality with an easy-to-manage personal loan. If you’re a member, you can apply for a loan of $1,000 or more via our mobile and online services.
Not a member? Schedule a call to book an appointment.

What is a personal loan?
A personal loan gives you a set amount to carry out a specific project. For example, you can use it to make a big purchase, cover an expense, do renovations or consolidate debt.
Benefits of a personal loan
Immediate access to the full amount
Get your loan amount
Easy-to-manage payments
Pay it back in fixed payments at a set frequency.
Variable or fixed rate
Choose between a fixed or variable rate or even ask to switch from one to the other at any time.
Features
Amount available
Amount granted is determined by:
- Your payment capacity
- The amount you're asking for
- The useful life of the financed product (in certain cases)
Interest rate
- Fixed or variable
- Based on the loan amount, term and credit history
Fixed rate
Choose a fixed interest rate if you're cautious and sensitive to rate fluctuations. A fixed rate remains stable for the duration of the loan.
You can switch to a variable rate at any time without fee or penalty.
Variable rate
Choose a variable interest rate if you can tolerate risk and rate fluctuations. A variable rate is generally lower than the fixed rate in effect but may increase or decrease at any time depending on our prime rate.
When rates drop, your payment amount remains the same, but you may be able to pay back your loan faster than expected.
You can switch to a fixed rate at any time without fee or penalty. Your interest rate will equal the fixed rate in effect at the time you switch.
Terms
Flexible terms
Repayment
- Payments can be made every week, every 2 weeks or every month
- Payments can be withdrawn automatically from your account
- Loan can be repaid in part or in full, at any time, without penalty
Applying for a personal loan
If you’re a member, you can apply for a loan of $1,000 or more via our mobile and online services.
Not a member? Schedule a call to book an appointment.
Step one Estimate your payments
Use the payment calculator available in our mobile and online services to try out scenarios based on different loan conditions. It’s a good way to assess your ability to repay your loan.
Step two Apply
Log in to our mobile and online services and select Personal loans in the Cards, loans and credit section to apply either by yourself or with a co-borrower. You’ll need to provide details about your income and about the project you want to finance.
Step three Manage your loan
Once your application is approved, you’ll be able to view and manage your loan online. You can also use our mobile and online services if you want to pay back your loan quicker. Select the account associated with your personal loan, then select Prepay.
Good to know
Your credit report may be affected while we analyze your application. If you’re applying with a co-borrower, you must have a joint account with us.
Tools to guide you on AccèsD
Find your borrowing solution
Have a project that'll cost at least $1,000? Use our tool to help you choose the financing that's right for you.
Calculate your payments
Try out different payment scenarios to make sure you’ll be able to pay off your personal loan.
Apply for a personal loan
By phone
Montreal area:
514-224-7737 This link opens your phone app. (514-CAISSES)
Elsewhere in Canada:
1-800-224-7737 This link opens your phone app. (1-800-CAISSES)
We can also call you when it’s convenient.