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RSP Loan

Get closer to your retirement goals by borrowing money to increase your RSP contribution.

[[RSP.RATE.1_YEAR]] - [[RSP.RATE.5_YEAR]]†

Interest rate

1-5 years†

Term

 

You can apply for an RSP Loan between November and March

Are you already a Client?

Log in if you already bank with us, or take just a few minutes to sign up and become a client.

Great rate

A low preferred interest rate that applies when your Loan proceeds are placed and kept in any Tangerine RSP Account(s).

Investment flexibility

The Loan funds will be placed in a Tangerine RSP Savings Account. Keep the money there, or move it to a Tangerine RSP Guaranteed Investment, or a Tangerine RSP Investment Fund Account. You decide.

Affordable payments

Choose a repayment term between 1 and 5 years. You decide what monthly payment is comfortable for you.

No fees

There are no early prepayment penalties.

Join with our app

Become a Client completely digitally with our Mobile Banking app3. Sign up without leaving your home or having to call us—it’s a fast, convenient and secure mobile experience.

Don’t have our Mobile Banking app3 yet? Download it today, so you can bank easily from anywhere.

4.6

43,000 Reviews4

4.7

71,000 Reviews4

QR Code to download our App

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Take a look at our other products

RSP Guaranteed Investment

Protect your retirement savings with the guaranteed growth of a GIC combined with the tax benefits of an RSP.

RSP Investment Funds

Enjoy tax-deferred growth while investing for your retirement. 

3 Some conditions may apply. Service is subject to availability and successful digital verification.

4 As of May 21, 2025 there were 44.7K reviews with an average rating of 4.5 from the Google Play Store and 72.5K reviews with an average rating of 4.8 from the App Store.

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