Personal Loan

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Customized financing—because your goals are worth it.

Your goals

A major purchase, a once-in-a-lifetime experience, or maybe just to reduce your interest payments and consolidate your debt.

Your interests

​With the help of our personal banking specialists, you can choose between a variable or a fixed interest rate, depending on your needs.

Your time

Choose a repayment schedule that works for you from 1 year to a maximum of 5 years. Prepay, increase your payments or repay in full at any time with no penalty.

Your options

Securing your loan with eligible personal property or investments may help you qualify for a larger amount or help you save money through a lower interest rate.

Key product details

Interest rate Fixed or variable, based on ATB's prime rate, ranging from 7.20%-14.20%1
Repayment term 1-5 years
Early repayment In full at anytime, no penalty

Frequently Asked Questions

Yes, you can switch between fixed or variable interest rates on your personal loan at any time without penalty.

When the variable interest rate rises or falls, your payments will likely stay the same, but your amortization term will increase or decrease respectively. That means if the variable interest rate falls, you could pay off your loan sooner. The opposite would be true if the variable interest rate rises.

Yes, you can pay off your personal loan in full without any penalty.

In addition to unsecured loans, you have the option to place a security (i.e. collateral) for the loan that will help you 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.

Ready to get started?

Your goals are unique, not one-size-fits-all. With an unsecured Personal Loan, you can achieve your goals in the way that makes sense for you.

Apply online or call 1-800-332-8383 to speak with an ATB loan expert.

Unsecured Loans

Looking for an unsecured loan? Apply here.

Secured Loans

Looking for a secured loan? Speak with an ATB expert today.

​Find the loan that's right for you.

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