Slide on back to school

Stay ahead of expenses this school year with a Scotia Plan Loan

Get ready to make this summer unforgettable with an unsecured loan! 

Whether you're dreaming of a tropical getaway, planning a stunning home renovation, or gearing up for back-to-school season, we've got our clients covered. Our flexible and easy-to-apply for loans will help our clients turn their summer dreams into reality.

Use your loan for:

Travel and vacation
Home renovation
Back to school expenses and more


Competitive rates
Flexible loan terms
No payments up to 2 months

*Consider opening a savings account for additional benefits.

Set your plans in motion with a Scotia Plan Loan

Whether you need a borrowing solution to help you with large purchases, back to school expenses, or to consolidate debt, we’ve got you covered.

Finding the right borrowing solution can help you better manage your finances and achieve your financial and life goals.

Right for you if: 

You want a customized financial solution tailored to suit your needs.

You want a loan that can help with debt consolidation and reduce your interest costs.

Help you can rely on. Terms you can afford.

With a Scotia Plan Loan, it's easy to get the things you want and save money at the same time. You can:

Manage your monthly expenses

  • Take up to 5 years to pay it back

Choose your preferred repayment schedule

Consolidate your debts into one easy payment

Set up automatic payments from your Scotiabank deposit account

Select your own payment amount

Opt for a secured loan for even better terms

Choose optional credit protection

Scotia Plan Personal Loans rate varies depending on term and security. Please contact a Scotiabank branch for more information about rates.

What do I need to apply?

Here are some of  the documents you need to apply for a Scotia Plan Loan:


  • One (1) Valid unexpired national photo identification
  • One (1) valid proof of address (deed, recent utility bill, tax assessment or financial institution/bank statement)


Proof of employment

  • Letter of employment and Payslip(s) showing the most recent full monthly income

Self-employment documents

  •  Business registration / License, and most recent Annual Return 
  •  Income documents, e.g., Income Tax Returns, Audited Financial Statements and bank statements

Ready to apply for a Scotia Loan Plan?  

Get full details on what's required here.

Call us

to speak with a loan officer.

Rates & Fees

See our current rates and fees for Scotiabank borrowing products. 

click here

Other offers

Applying for a Mortgage?

Buying a home is the largest single investment you’ll ever make, so it only makes sense to look for a mortgage that can help you reduce your interest costs. Get closer to making your homeownership dreams come true.


Scotiabank Car Loan

Buying a car?  We can help.

We will have you moving in the right direction: a comprehensive suite of products that will make purchasing that new or used car easier than you think!

Credit Protection

In the event of your death, your Scotia Plan Loan could become a financial obligation for your family. Credit Protection for Scotia Plan Loans can prevent this from happening.

Ready to apply?  Contact us for more information

Find a local branch