Loans
From one-time purchases to once-in-a-lifetime experiences, or saving money through debt consolidation, an ATB loan can help make it happen.
How a loan can work for you.
Finance your dreams
Purchase that new car or take that dream vacation with quick access to cash without the high interest rates of a credit card or cash advance.
Pay over time
Keep it manageable by paying in scheduled instalments over a term from 1 year to a maximum of 5 years. There's no penalty for early payments and you can choose to make payments monthly, semi-monthly, bi-weekly or weekly.
Consolidate high-interest debt
Borrow at a lower interest rate to pay off high-interest debts like credit cards, or just consolidate your debt so you can keep track of it.
Find the loan that's right for you.
Finance your life now
Personal Loan
A new truck. A pilgrimage. A pet project. Debt consolidation. Whatever your goal, we're here to help you achieve it.
Borrow for the future
Investment Express Loan
Don't have the cash to take advantage of your RRSP contribution limit? Let us help you decide if you should borrow to invest.
Borrow to maximize your RRSP
RRSP Max-It® Loan
Need to borrow to catch up on your unused RRSP contributions from past years? Get up to $75,000 with flexible interest rates.
Finance Alberta's future agriculturalists
4-H Loan Program
Through 4-H, today's youth become tomorrow's leaders. A 4-H loan helps members buy livestock or finance approved projects.
Peace of mind
Loan Protection
Take comfort in knowing the balance of your loan and line of credit is covered in the event of disability or death.
Frequently Asked Questions
One basic question to ask yourself is why you need to borrow money. Is it to fund a one-time purchase, or to provide yourself with an ongoing financial buffer?
You can't re-borrow from a loan, while a line of credit has a limit you can draw from, repay, and draw from again. Interest rates will also vary between loans and lines of credit.
Talk to one of our experts. They’ll review your credit history and experience, as well as your short and long-term financial goals to help you find the best borrowing option for you.
We've got you covered with our skip-a-payment option: You can skip up to the equivalent of one monthly payment each calendar year without penalty. Conditions may apply.
In addition to unsecured loans, clients have the option to place a security (i.e. collateral) for the loan that will help them qualify for a larger amount or save money through a lower interest rate. This collateral can be in the form of personal property, investments or other eligible securities. An ATB loan expert can help you determine the eligibility of a security. Learn more about personal loans.