Access to Credit When You Need it

You may need to borrow to pay for small items, meet unexpected expenses or even to take that holiday you've been promising yourself for so long. By combining a line of credit with credit cards you can ensure that you have money available when you need it and keep your interest expenses to a minimum.

At RBC Royal Bank, we offer borrowing options to meet all your everyday and unexpected needs. Find the right ones here. Or, for personalized service, contact one of our credit specialists today.

As an alternative to a loan, we have an account feature that helps you avoid the embarrassment and inconvenience of having a cheque returned, or a point of sale purchase declined due to insufficient funds. Consider Overdraft Protection for your account and give yourself peace of mind against temporary cash shortfalls.

Royal Credit Line®	RBC Royal Bank Credit Cards	Account Overdraft Protection
Credit that's always available.	Accepted around the world.	Peace of mind against unexpected expenses.
A revolving line of credit at an attractive interest rate, puts you in charge of your own borrowing needs.	The convenient way to pay for purchases, living expenses and services - and earn points towards travel and other rewards.	Makes sure your cheques are not returned NSF and your authorized payments and point-of-sale transactions aren't refused.
More below	More below	More below

Royal Credit Line

A Royal Credit Line gives you immediate access to funds whenever you need them, up to your approved limit. Set it up once and use it again and again — for any purpose - without reapplying. And borrowing couldn't be easier, any time of the day or night. Just make a withdrawal at any RBC Royal Bank Banking Machine or write a cheque. You can also transfer funds or make payments by phone, through Telephone Banking or on online with Online Banking.

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Credit Cards

RBC Royal Bank offers a wide range of credit cards for every need. Whether you're a student or an entrepreneur, want to lower your interest rate or earn travel or other rewards, we have the credit card that's right for you. It's safer and more convenient than carrying cash — and you know your card will be accepted around the world.

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Account Overdraft Protection

Having a cheque returned or an authorized payment refused because you don't have the funds in your account can be both embarrassing and expensive. It could even affect your credit rating. That's why RBC Royal Bank offers you Overdraft Protection on your bank account. Think of it as a safety net that protects you until funds arrive.

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