RSP Loan

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

Interest Rate

- *

Term

1 - 5 years *

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Key Features

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.

Current RSP Loan Rates

Current interest rates as of today's date.
Term Duration Term Interest Rate
1 Year
2 Year
3 Year
4 Year
5 Year

Don’t think this Account is for you? Take a look at our other options.
RSP Savings Account
Learn More

RSP Guaranteed Investment
Learn More

RSP Investment Funds
Learn More
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*Current interest rates as of today's date. 1 year at APR, 2 years at APR, 3 years at APR, 4 years at APR, 5 years at APR. All rates and fees are subject to change. The applicable interest rate will apply when your Loan proceeds are placed and kept in any Tangerine RSP Account(s), otherwise the interest rate will be 8.75% for all terms. Please refer to the Loan Agreement and RSP Loan Addendum for more details. Interest accrues from the funds advance date. The Loan amount is repaid through automatic periodic payments. Additional payments can be made or the entire Loan can be paid off at any time without penalty.
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