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ScotiaLine® Line of Credit Online Application

At a glance:

ScotiaLine Line of Credit

Line of Credit Benefits:

  • No annual fee
  • Very competitive rates
  • Credit limits ranging from $10,000 to $75,000 (unsecured)
    For Secured rates and credit limits please see STEP product
  • Purchase Security and Extended Warranty Protection

Learn more about our ScotiaLine line of credit card

Credit Limit Range: $10,000 - $75,000 (unsecured)

Annual Interest Rate:
Unsecured rate is currently up to Scotiabank Prime +4.99%, however, we may be able to provide a better rate once your application for credit is approved.
For Secured rates and credit limits please see Scotia Total Equity® Plan (STEP)

Annual Fee: $0

Before You Begin

To apply, you must:

  • Be a Canadian Citizen or Landed Immigrant
  • Have reached the age of majority in your province/territory (18 years in AB, MB, ON, PE, QC, SK. 19 years in all others)
  • Not have declared bankruptcy in the past seven years
  • Have a minimum gross monthly income of $1,000 unless you are applying for a student VISA card

To complete this application you will need to have the following information available:

  • Personal/contact information - name, address, phone numbers, SIN (optional but very helpful)
  • Employment information - employer name, phone number, time employed
  • Gross monthly income - annual income before deductions divided by 12
  • Monthly housing costs - monthly rent or mortgage payment
  • Other monthly obligations - spousal or child support

What You Should Expect

The application may take approximately 5 to 10 minutes to complete

  • If you provide an email address, we will send you an update within 24 hours of submitting your application. If the email address is not accurate or not available, we will respond to you by mail. A mail response will normally arrive in a few days.
  • Best efforts are made to process your application quickly. Providing accurate and complete information ensures the fastest response.

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Need help?

Visit any Visit any Scotiabank branch or call us at 1-888-882-8958.

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