We do not discriminate using race, colour, sex, religion, or other non-creditworthiness factors when evaluating a loan application, establishing terms of a loan, or any other aspect of a credit transaction.

Key Considerations

• We consider relevant financial factors—your credit profile, your income, and your credit history, including your existing debt load—when considering your credit application or setting terms for the loan.

• Borrowers have the right to keep your accounts after you change your name, marital status, reach a certain age, or retire, unless we have evidence that you’re not willing or able to pay.

• We give a specific reason for a rejection within 60 days of decision. An acceptable reason might be: “your income was too low” or “you haven’t been employed long enough,” not something general like “you didn’t meet our standards.”

• We do not impose different terms or conditions, like a higher interest rate or higher fees, based on your race, colour, religion, national origin, sex, marital status, age.