Skip to main content

Lines of credit


Fast-tracked approval.

There’s no waiting around for approvals with us. We’re based locally, so you get your lending decisions fast.


Flexible for you.

You don’t have to jump through hoops for our lending solutions. We adapt them to suit your needs.


No set criteria.

You’re unique and we treat you like it, looking at all aspects of your financial picture to help you access support.


Northern know-how.

No one knows local lending like we do, and we’ll use that insight to ensure you understand all your options.


Get flexible access to funds with our lines of credit.


Northern line of credit

Use this low-rate line of credit for whatever you need – home or camp renovations, a new ATV or just to set aside some rainy-day funds.

Key features

  • Great low rates
  • Get approved in minutes
  • Receive funding within three business days

Meritline (secured)

Leverage your property value to unlock even more borrowing power – and save on interest while you’re at it.

Key features

  • Use your home as security
  • Benefit from even lower rates
  • Access larger sums of money at a lower cost

RSP line of credit

At Northern, we understand that life has a way of putting your investment contributions on the backburner. To help you catch up, we offer Short-Term Investment Loans for smaller amounts, or CU TAKE TEN® Registered Investment Loans for larger contributions and longer re-payment terms.


Student line of credit

Focus on your studies instead of your finances, with a low-rate line of credit designed to help you save on interest.

Key features

•    Great low rate set at 0.25% below prime

•    Flexible repayment options

•    Freedom to make lump-sum payments without penalty

•    Interest-only payment while you’re in school (and an extra 6 months after)

•    Up to 10 years to repay


Overdraft protection

Don’t get caught short on funds. Overdraft protection ensures you never miss a payment or accrue fees if your account gets overdrawn.

To apply, visit your local branch or call 1-866-413-7071


Lending calculator

Try our lending calculator to work out what your payment plan could look like. 

Select Image

Northern prime


Lending protection

Life sometimes throws curve balls. Protect yourself from them with insurance.

Select Image

Taming your line of credit.

Everything you need to know about lines of credit explained—from secured and unsecured lines of credits, to credit limits and rates.

Select Image


Tailored to meet your everyday needs, our standard personal loans are anything but standard.

Select Image

Find the credit card for you.

Get the rewards you want and the points you deserve with our wide variety of credit card options.

Select Image

Kinds of borrowing.

You’ve probably borrowed some sugar or a leaf blower from a neighbor, but financial borrowing is a whole other bucket of syrup.

Select Image