{"id":761217,"date":"2019-01-23T23:53:18","date_gmt":"2019-01-24T04:53:18","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=761217"},"modified":"2026-01-21T22:18:51","modified_gmt":"2026-01-22T03:18:51","slug":"scotiabank-personal-loans-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/personal-loans\/scotiabank-personal-loans-review","title":{"rendered":"Scotiabank loans and lines of credit review"},"content":{"rendered":"<h3>What is Scotiabank?<\/h3><p>Scotiabank is one of the largest banks in Canada and North America. It was founded in Halifax, Nova Scotia in 1832, making it one of the country\u2019s oldest banks.<\/p><p>Now headquartered in Toronto, Scotiabank has over 10 million customers in Canada. It operates over 900 branches and around 3,600 ABMs across the country, offering chequing and savings accounts, credit cards, mortgages, loans and more to its clients.<\/p><h3>Is Scotiabank legit?<\/h3><p>Scotiabank is one of the \u201cBig Six\u201d banks in Canada alongside RBC, TD, BMO, CIBC and National Bank, so you won\u2019t have to worry about its legitimacy. It reaches around the world, serving more than 25 million customers globally, and trades on the Toronto and New York stock exchanges.<\/p><h3>What are the interest rates of Scotiabank loans and lines of credit?<\/h3><p>Scotiabank personal loan rates are not listed online. You\u2019ll need to contact the bank directly or apply for a loan to find out the rate you can qualify for.<\/p><p>As a general guide, there are several factors that can affect the interest rate on your loan, including:<\/p><ul><li>Your credit score<\/li><li>Your income<\/li><li>Your existing debts and liabilities<\/li><li>Whether you choose a secured or unsecured loan<\/li><li>Whether you choose a fixed or variable rate<\/li><li>How much you borrow<\/li><li>Your loan term<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/personal-loan-interest-rates-canada\" style=\"text-decoration:underline; font-size:0.9em;\">Personal loan interest rates in Canada<\/a>\n<\/div>\n<\/article><h3>What we like about Scotiabank loans<\/h3><ul class=\"list-1\"><li><strong>Flexible options to customize your loan.<\/strong> Scotiabank\u2019s range of personal loan options lets you choose between secured and unsecured loans and fixed and variable interest rates.<\/li><li><strong>Loan terms.<\/strong> Terms of up to 5 years are available with a Scotiabank personal loan.<\/li><li><strong>Competitive interest rates.<\/strong> While Scotiabank doesn\u2019t disclose its interest rates online, qualified borrowers will secure a lower interest rate on personal loans than what online lenders typically offer. You can get even lower interest rates if you have a great credit score and a longstanding relationship with Scotiabank.<\/li><li><strong>Flexible repayment schedule.<\/strong> Borrowers can choose from weekly, bi-weekly or monthly repayment schedules to suit their pay schedules and budgets. You can even rearrange your payment schedule, choosing a different payment date or cadence.<\/li><li><strong>Use your funds as you\u2019d like.<\/strong> There are no restrictions on how you can use the funds from your personal loan, so you can use the cash to consolidate debt, buy a new car, pay for home renovations or tackle any other financial goals.<\/li><li><strong>Repay your loan without additional fees.<\/strong> Scotiabank says borrowers can repay some or all of their personal loans early without incurring any prepayment penalties.<\/li><li><strong>Defer a payment.<\/strong> You can postpone one payment a year on your Scotiabank personal loan without facing any late fees (although interest will continue to accrue on your loan).<\/li><li><strong>Variety of banking options.<\/strong> Scotiabank customers can receive customer care in-person in branches all across Canada, over the phone or online. You can also download the bank\u2019s app to manage your loan via smartphone.<\/li><li><strong>Easy access to funds.<\/strong> You can access the money in your line of credit via online and mobile banking, ATM, cheque and in-branch service.<\/li><\/ul><h3>What to watch out for<\/h3><ul class=\"list-12\"><li><strong>High minimum borrowing amounts.<\/strong> While not disclosed online, you can count on Scotiabank having a minimum borrowing amount for a personal loan. For many major banks, this is at least several thousand dollars, which may be more than some people need.<\/li><li><strong>APRs are not listed online.<\/strong> You\u2019ll have to apply for a loan to see your interest rate because Scotiabank does not list its interest rates online.<\/li><li><strong>Your credit score needs to be high.<\/strong> Major banks typically require that borrowers have good to excellent credit (660 or higher) to qualify. This means that some borrowers may not get approved for a Scotiabank personal loan.<\/li><li><strong>You may have to secure your loan.<\/strong> If you\u2019re looking for a large personal loan, you may have to put your property on the line as collateral.<\/li><li><strong>You can\u2019t apply online.<\/strong> You\u2019ll need to book a phone or in-branch appointment to apply for a Scotiabank personal loan.<\/li><\/ul><h3 id=\"product-comparison-box\">Alternatives to Scotiabank personal loans<\/h3>    <style>\n.popover.fade.bottom.in { overflow: visible !important;}\n.table-popover { overflow: visible !important; }\n.luna-card.luna-card--border.luna-card--stretch.comparisonPick-item.flex-item-1 { border-radius: 0; overflow: visible !important; margin: 0 !important;}\n#product-comparison-box { overflow: visible; }\n.aligncenter { max-height: fit-content !important; max-width: fit-content !important;}\n@media (max-width: 960px) {\n    .outer-container {\n        display: flex;\n        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*\/\n\n#product-comparison-box { overflow: visible; }\n.outer-container { overflow: auto; }\n\n}\n<\/style>\n \n\n    \n            \n    \n\n\n        \n            \n    \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                                                    \n                    \n                                        \n                                                                                                    \n                                \n                                   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https:\/\/www.finder.com\/niche-builder\/68557d968728e.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: 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center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info eaaf66e3-6e5c-4fe3-a7f7-76f5e7410de7\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">8.5<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"eaaf66e3-6e5c-4fe3-a7f7-76f5e7410de7\" data-product-name=\"Spring Financial Personal Loan\" data-niche=\"Personal Loans\" data-provider-name=\"Spring Financial\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to Spring Financial\" rel=\"sponsored\" target=\"_blank\" 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                       <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                $500 - $35,000\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        6 - 84 months\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR Range<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                9.99% - 34.95%\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-2\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/67f6e86b65674.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info 7fd7d7fc-e864-45a9-b585-bfadfd222da4\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">8.8<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"7fd7d7fc-e864-45a9-b585-bfadfd222da4\" data-product-name=\"LoanConnect Personal Loan\" data-niche=\"Personal Loans\" data-provider-name=\"LoanConnect\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to LoanConnect\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/loanconnect-personal-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%227fd7d7fc-e864-45a9-b585-bfadfd222da4%22%2C%22product_name%22%3A%22LoanConnect%2BPersonal%2BLoan%22%2C%22offer_id%22%3A%2215388%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22post_id%22%3A%22761217%22%2C%22post_path%22%3A%22personal-loans%252Fscotiabank-personal-loans-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                $500 - $60,000\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        3 - 120 months\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR Range<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                8.99% - 35.00%\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-3\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5f8f0c7f7fe9e.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info 93a41e3b-0889-4fb6-8474-4a164deb7b8a\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">8.6<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"93a41e3b-0889-4fb6-8474-4a164deb7b8a\" data-product-name=\"Loans Canada Personal Loan\" data-niche=\"Personal Loans\" data-provider-name=\"Loans Canada\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to Loans Canada\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/personal-loans\/loans-canada-personal-loan-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2293a41e3b-0889-4fb6-8474-4a164deb7b8a%22%2C%22product_name%22%3A%22Loans%2BCanada%2BPersonal%2BLoan%22%2C%22offer_id%22%3A%2217711%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFPL%22%2C%22post_id%22%3A%22761217%22%2C%22post_path%22%3A%22personal-loans%252Fscotiabank-personal-loans-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                $500 - $35,000\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        6 - 60 months\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR Range<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                9.99% - 35.00%\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n            <\/div>\n<\/div><h3>What do Scotiabank reviews have to say?<\/h3><p>Like many major Canadian banks, Scotiabank has received plenty of criticism online from customers. Negative reviewers mention factors like poor customer service and unexpected account issues.<\/p><p>Review scores for individual Scotiabank locations vary between branches, so it\u2019s worth checking how the branches close to you stack up. The Scotiabank mobile app has also earned an average rating of 4.7 out of 5 based on over 830,000 Apple users and 4.6 out of 5 based on over 190,000 Android users.<\/p><h3>Summary of Scotia reviews<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 50%;\" scope=\"col\">Feature<\/th><th style=\"text-align: left; width: 50%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>BBB accredited<\/td><td>No<\/td><\/tr><tr><td>BBB rating<\/td><td>D-<\/td><\/tr><tr><td>BBB reviews<\/td><td>1.17\/5 stars based on 84 reviews<\/td><\/tr><tr><td>Google reviews<\/td><td>Varies from branch to branch<\/td><\/tr><tr><td>Trustpilot reviews<\/td><td>1.2 out of 5 stars, based on 1,160+ Scotiabank reviews<\/td><\/tr><tr><td>Facebook reviews<\/td><td>No Scotiabank reviews available<\/td><\/tr><\/tbody><\/table><p><small>Customer reviews verified as of February 7, 2025.<\/small><\/p><h3>Scotiabank reviews from Finder survey<\/h3><div class=\"fin-carousels \" id=\"fin-carousel0000000000\" data-items-in-view=\"1\" style=\"--items-in-view: 1\">\n    <div class=\"fin-carousels__container\">\n        <div class=\"fin-carousels__slides\">\n            <div class=\"fin-carousel-item\">\n    <div class=\"carousel_item\">\n<div style=\"max-width: 830px; width: 100%; margin:0 auto;\">\n    <article style=\"margin:0 auto;\">\n        <div class=\"luna-card__block\">\n\n                        \n            <div class=\"luna-card luna-card--border\" style=\"border-radius: 16px;\">\n            \n            \n            \n            <div style=\"margin: 20px;\">\n\n\n                                \n                <svg width=\"30\" height=\"24\" viewbox=\"0 0 30 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path d=\"M12 3.5225C11.0934 4.74917 10.32 6.10917 9.68005 7.6025C9.04005 9.09583 8.69338 10.4292 8.64005 11.6025C9.97338 12.0825 11.0134 12.8025 11.76 13.7625C12.56 14.7225 12.96 15.8958 12.96 17.2825C12.96 18.9892 12.3734 20.4558 11.2 21.6825C10.08 22.8558 8.66672 23.4425 6.96005 23.4425C5.20005 23.4425 3.73338 22.8558 2.56005 21.6825C1.38672 20.5092 0.800049 18.8025 0.800049 16.5625C0.800049 14.1625 1.44005 11.4425 2.72005 8.4025C4.00005 5.3625 5.78672 2.74916 8.08005 0.5625L12 3.5225ZM28.24 3.5225C27.3334 4.74917 26.5601 6.10917 25.9201 7.6025C25.2801 9.09583 24.9334 10.4292 24.8801 11.6025C26.2134 12.0825 27.2534 12.8025 28 13.7625C28.8 14.7225 29.2 15.8958 29.2 17.2825C29.2 18.9892 28.6134 20.4558 27.4401 21.6825C26.3201 22.8558 24.9067 23.4425 23.2001 23.4425C21.4401 23.4425 19.9734 22.8558 18.8 21.6825C17.6267 20.5092 17.04 18.8025 17.04 16.5625C17.04 14.1625 17.6801 11.4425 18.9601 8.4025C20.24 5.3625 22.0267 2.74916 24.32 0.5625L28.24 3.5225Z\" fill=\"#E3E4E6\"><\/path>\n                    <\/svg>\n\n                \n                                    \n\n                <p style=\"font-size: 18px;\">My experiences with Scotiabank have always been positive. My personal loan was granted without issues.<\/p>\n\n\n                \n                <div class=\"u-grid\">\n\n                    <div class=\"u-grid__col u-1\/12@s u-1\/3\" style=\"margin: auto 0; padding: 0 .5rem .5rem;\">\n\n                        <a href=\"\"><img decoding=\"async\" class=\"no-lazyload size-full wp-image-2490625\" alt=\"Scotiabank customer from Scarborough, Ontario\" style=\"border-radius: 50% 0 50% 50%;\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/03\/FinderLogo_Finder_152x152.png\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/03\/FinderLogo_Finder_152x152.png?fit=152 152w\" sizes=\"(max-width: 152px) 28vw, 152px\"><\/a>\n                    <\/div>\n\n                    <div class=\"u-grid__col u-11\/12@s u-2\/3\" style=\"margin: auto 0; padding: 0 .5rem .5rem;\">\n                        <p>\n                            <span style=\"font-size: 16px; line-height: .5;\"><b>Scotiabank customer from Scarborough, Ontario<\/b><\/span><br>\n                            <span style=\"font-size: 14px; color: #6f7278;\"><a href=\"\"><\/a><span>\n                        <\/span><\/span><\/p>\n                    <\/div>\n\n                <\/div>\n            <\/div>\n\n        <\/div>\n        <\/div>\n    <\/article>\n<\/div>\n\n<a name=\"expert-insight\"><\/a><\/div>\n<\/div>\n<div class=\"fin-carousel-item\">\n    <div class=\"carousel_item\">\n<div style=\"max-width: 830px; width: 100%; margin:0 auto;\">\n    <article style=\"margin:0 auto;\">\n        <div class=\"luna-card__block\">\n\n                        \n            <div class=\"luna-card luna-card--border\" style=\"border-radius: 16px;\">\n            \n            \n            \n            <div style=\"margin: 20px;\">\n\n\n                                \n                <svg width=\"30\" height=\"24\" viewbox=\"0 0 30 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path d=\"M12 3.5225C11.0934 4.74917 10.32 6.10917 9.68005 7.6025C9.04005 9.09583 8.69338 10.4292 8.64005 11.6025C9.97338 12.0825 11.0134 12.8025 11.76 13.7625C12.56 14.7225 12.96 15.8958 12.96 17.2825C12.96 18.9892 12.3734 20.4558 11.2 21.6825C10.08 22.8558 8.66672 23.4425 6.96005 23.4425C5.20005 23.4425 3.73338 22.8558 2.56005 21.6825C1.38672 20.5092 0.800049 18.8025 0.800049 16.5625C0.800049 14.1625 1.44005 11.4425 2.72005 8.4025C4.00005 5.3625 5.78672 2.74916 8.08005 0.5625L12 3.5225ZM28.24 3.5225C27.3334 4.74917 26.5601 6.10917 25.9201 7.6025C25.2801 9.09583 24.9334 10.4292 24.8801 11.6025C26.2134 12.0825 27.2534 12.8025 28 13.7625C28.8 14.7225 29.2 15.8958 29.2 17.2825C29.2 18.9892 28.6134 20.4558 27.4401 21.6825C26.3201 22.8558 24.9067 23.4425 23.2001 23.4425C21.4401 23.4425 19.9734 22.8558 18.8 21.6825C17.6267 20.5092 17.04 18.8025 17.04 16.5625C17.04 14.1625 17.6801 11.4425 18.9601 8.4025C20.24 5.3625 22.0267 2.74916 24.32 0.5625L28.24 3.5225Z\" fill=\"#E3E4E6\"><\/path>\n                    <\/svg>\n\n                \n                                    \n\n                <p style=\"font-size: 18px;\">They have a fair interest rate and they always help you out in many ways.<\/p>\n\n\n                \n                <div class=\"u-grid\">\n\n                    <div class=\"u-grid__col u-1\/12@s u-1\/3\" style=\"margin: auto 0; padding: 0 .5rem .5rem;\">\n\n                        <a href=\"\"><img decoding=\"async\" class=\"no-lazyload size-full wp-image-2490625\" alt=\"Scotiabank customer from Springdale, Newfoundland and Labrador\" style=\"border-radius: 50% 0 50% 50%;\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=600 600w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=900 900w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 28vw, 1200px\"><\/a>\n                    <\/div>\n\n                    <div class=\"u-grid__col u-11\/12@s u-2\/3\" style=\"margin: auto 0; padding: 0 .5rem .5rem;\">\n                        <p>\n                            <span style=\"font-size: 16px; line-height: .5;\"><b>Scotiabank customer from Springdale, Newfoundland and Labrador<\/b><\/span><br>\n                            <span style=\"font-size: 14px; color: #6f7278;\"><a href=\"\"><\/a><span>\n                        <\/span><\/span><\/p>\n                    <\/div>\n\n                <\/div>\n            <\/div>\n\n        <\/div>\n        <\/div>\n    <\/article>\n<\/div>\n\n<a name=\"expert-insight\"><\/a><\/div>\n<\/div>\n<div class=\"fin-carousel-item\">\n    <div class=\"carousel_item\">\n<div style=\"max-width: 830px; width: 100%; margin:0 auto;\">\n    <article style=\"margin:0 auto;\">\n        <div class=\"luna-card__block\">\n\n                        \n            <div class=\"luna-card luna-card--border\" style=\"border-radius: 16px;\">\n            \n            \n            \n            <div style=\"margin: 20px;\">\n\n\n                                \n                <svg width=\"30\" height=\"24\" viewbox=\"0 0 30 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path d=\"M12 3.5225C11.0934 4.74917 10.32 6.10917 9.68005 7.6025C9.04005 9.09583 8.69338 10.4292 8.64005 11.6025C9.97338 12.0825 11.0134 12.8025 11.76 13.7625C12.56 14.7225 12.96 15.8958 12.96 17.2825C12.96 18.9892 12.3734 20.4558 11.2 21.6825C10.08 22.8558 8.66672 23.4425 6.96005 23.4425C5.20005 23.4425 3.73338 22.8558 2.56005 21.6825C1.38672 20.5092 0.800049 18.8025 0.800049 16.5625C0.800049 14.1625 1.44005 11.4425 2.72005 8.4025C4.00005 5.3625 5.78672 2.74916 8.08005 0.5625L12 3.5225ZM28.24 3.5225C27.3334 4.74917 26.5601 6.10917 25.9201 7.6025C25.2801 9.09583 24.9334 10.4292 24.8801 11.6025C26.2134 12.0825 27.2534 12.8025 28 13.7625C28.8 14.7225 29.2 15.8958 29.2 17.2825C29.2 18.9892 28.6134 20.4558 27.4401 21.6825C26.3201 22.8558 24.9067 23.4425 23.2001 23.4425C21.4401 23.4425 19.9734 22.8558 18.8 21.6825C17.6267 20.5092 17.04 18.8025 17.04 16.5625C17.04 14.1625 17.6801 11.4425 18.9601 8.4025C20.24 5.3625 22.0267 2.74916 24.32 0.5625L28.24 3.5225Z\" fill=\"#E3E4E6\"><\/path>\n                    <\/svg>\n\n                \n                                    \n\n                <p style=\"font-size: 18px;\">They were not perfect but they were good. It was very easy to communicate with them and they always had the answers I needed.<\/p>\n\n\n                \n                <div class=\"u-grid\">\n\n                    <div class=\"u-grid__col u-1\/12@s u-1\/3\" style=\"margin: auto 0; padding: 0 .5rem .5rem;\">\n\n                        <a href=\"\"><img decoding=\"async\" class=\"no-lazyload size-full wp-image-2490625\" alt=\"Scotiabank customer from Kitchener, Ontario\" style=\"border-radius: 50% 0 50% 50%;\" src=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png\" srcset=\"https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=180 180w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=360 360w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=600 600w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=900 900w, https:\/\/www.finder.com\/finder-au\/wp-uploads\/2022\/10\/FinderLogo_Finder_215.235.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 28vw, 1200px\"><\/a>\n                    <\/div>\n\n                    <div class=\"u-grid__col u-11\/12@s u-2\/3\" style=\"margin: auto 0; padding: 0 .5rem .5rem;\">\n                        <p>\n                            <span style=\"font-size: 16px; line-height: .5;\"><b>Scotiabank customer from Kitchener, Ontario<\/b><\/span><br>\n                            <span style=\"font-size: 14px; color: #6f7278;\"><a href=\"\"><\/a><span>\n                        <\/span><\/span><\/p>\n                    <\/div>\n\n                <\/div>\n            <\/div>\n\n        <\/div>\n        <\/div>\n    <\/article>\n<\/div>\n\n<a name=\"expert-insight\"><\/a><\/div>\n<\/div>\n\n        <\/div>\n    <\/div>\n    <div class=\"fin-carousels__controls\">\n        <button class=\"fin-carousels__nav fin-carousels__nav--prev fin-carousels__nav--disabled\" aria-label=\"Previous slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-left\"><\/use>\n            <\/svg>\n        <\/button>\n        <button class=\"fin-carousels__nav fin-carousels__nav--next fin-carousels__nav--disabled\" aria-label=\"Next slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-right\"><\/use>\n            <\/svg>\n        <\/button>\n    <\/div>\n\n    <div class=\"fin-carousels__dots\" role=\"tablist\" aria-label=\"Carousel navigation\"><!-- Dots will be generated by JavaScript -->\n    <\/div>\n<\/div>\n<h3>What are Scotiabank\u2019s loans?<\/h3><p>If you\u2019re searching for the right Scotia loan for your needs, there are two main options to compare:<\/p><ul><li><strong>Personal loan.<\/strong> The Scotia Plan Loan lets you borrow money to pay for a major purchase or consolidate debt. You can choose the peace of mind of a fixed rate or the flexibility of a variable rate and pay back the loan over a term of up to five years with a monthly, bi-weekly or weekly payment plan. You can also pay off your loan early without penalty.<\/li><li><strong>Personal line of credit.<\/strong> The ScotiaLine Personal Line of Credit provides ongoing access to a revolving line of credit. The money is accessible via online and mobile banking, Access Card and cheque, and you only pay interest on the money you use. There is no annual fee for this line of credit.<\/li><\/ul><p>Other loans offered by Scotia include home equity lines of credit, student lines of credit, RSP lines of credit, car loans, boat loans and RV loans.<\/p><h3>Can I use a Scotiabank personal loan for debt consolidation?<\/h3><p>Yes, you can use a Scotia loan for debt consolidation. By combining all your unsecured debts together and paying them off with a personal loan, you can save on the total amount of interest you need to pay and have only one monthly payment to manage moving forward.<article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/debt-consolidation-loans\/best-debt-consolidation-loans\" style=\"text-decoration:underline; font-size:0.9em;\">Best debt consolidation loans<\/a>\n<\/div>\n<\/article><\/p><h3>Can I get a Scotia loan with bad credit?<\/h3><p>Scotiabank doesn\u2019t list any minimum credit score requirements online for its personal loans or lines of credit. However, like most major banks, Scotiabank typically works with borrowers who have good to excellent credit, so borrowers with bad credit will need to consider other options.<article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/best-bad-credit-personal-loans\" style=\"text-decoration:underline; font-size:0.9em;\">Best bad credit personal loans<\/a>\n<\/div>\n<\/article><\/p><h3>What are the eligibility requirements of Scotia loans and lines of credit?<\/h3><p>Scotiabank doesn\u2019t list eligibility criteria online for personal loans or lines of credit. However, to qualify for a loan from a major bank, you will generally need to:<\/p><ul><li>Have a good to excellent credit score<\/li><li>Have enough income to repay your loan and manage any existing debts<\/li><li>Not have declared bankruptcy in the past seven years<\/li><li>Not have been declined credit in the last several months<\/li><\/ul><h3>How to apply for a Scotia loan or line of credit<\/h3><p>If you want to apply for a Scotiabank personal loan, you\u2019ll need to book a meeting with a Scotia advisor either over the phone or in-person at your local branch. You\u2019ll also need to provide proof of ID (such as a driver\u2019s licence or passport) and proof of employment (such as pay slips or an employment letter).<\/p><p>If you\u2019re applying for a line of credit, you can do so by filling out an online form. If you\u2019re already a Scotiabank customer, you can pre-fill some of this form by logging into your online banking. When filling out the form you will need to provide details like:<\/p><ul><li>Your name, contact information, Social Insurance Number and date of birth<\/li><li>How much you want to borrow and the purpose of the loan<\/li><li>Your monthly net income<\/li><li>Your employment details<\/li><\/ul><h3>Bottom line<\/h3><p>If you\u2019re shopping for a personal loan or line of credit and you have a strong credit score, Scotiabank is a lender worth considering. You can choose how much you\u2019d like to borrow, whether you\u2019d like to secure your loan, how long you\u2019d like to take to repay your loan and how often you want to make repayments each month. With that kind of flexibility, you can customize your loan to suit your needs and lifestyle.<\/p><p>Just remember that you should always shop around before deciding which lender is offering the best rates and loan options. Get a little help with your search in our <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\">guide to personal loans<\/a>.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Can I make lump sum payments towards my Scotia personal loan without penalty?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, you can make extra payments towards your loan any time via online or mobile banking without incurring any additional fees.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Can I delay a payment on my Scotia loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. With a Scotia Plan Loan, you can postpone one payment per year, but please note that interest will continue to accrue during this deferral period.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Where can I find the current interest rate for a Scotiabank line of credit?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can find the latest rates and information about the ScotiaLine Personal Line of Credit by phoning Scotiabank.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Can I qualify for a loan through Scotiabank if I'm self-employed?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, you can. You're still eligible to apply if you're self-employed. However, you will need to submit information regarding your self-employment, including your recent CRA My Account Assessment, and a recent notice of assessment (NOA) and corresponding T1 General 4-page summary.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">How can I manage my Scotia loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can manage your Scotia personal loan via online and mobile banking. 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