Épargne Placements Québec

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Épargne Placements Québec RRSP Loan

An attractive way to contribute to your RRSP

The Épargne Placements Québec RRSP Loan is a service designed to help you access Épargne Placements Québec’s RRSP products more easily. You can borrow, from Épargne Placements Québec, the funds you need to contribute to your RRSP up to your unused contribution room.

  • Easy to access:
    You can borrow a minimum of $1 000 and a maximum of $25 000 per loan. Simply contact an Épargne Placements Québec investment officer to access this service.
  • Practical repayment terms:
    You repay your RRSP Loan by periodic withdrawals from an account with your financial institution at a frequency you choose (weekly, every two weeks or monthly). And you can pay off your loan in full at any time, without penalty.
  • Attractive interest rate:
    The annual interest rate offered on the Épargne Placements Québec RRSP Loan depends on the term you choose (12 or 24 months) and market conditions. For current rates, phone our call centre and speak with one of our investment officers.
  • Eligible for Épargne Placements Québec’s RRSP products:
    You can use the funds to invest in all of the savings products currently offered: Step‑up Bonds, Fixed‑rate Bonds, Fixed-rate Green Bonds, Stock Index Bonds and Flexi‑Plus Savings.

Ready to make a move? The deadline to apply for an RRSP loan is February 15.