Consolidate your debt

Convert your existing unsecured CIBC debts into a loan to ease your burden and allow yourself to focus on other priorities.1


Once you’ve consolidated your existing CIBC debts, you can make one convenient monthly payment and regain control over your finances.


 Applicable to CIBC credit cards, lines of credit, loans and overdraft protection accounts.2

Pay with Points

If you're past due on your CIBC Aventura® Visa* Card payments and have Aventura Points, you can use them to pay down your credit card balance.2


 Applicable to CIBC Aventura Visa* Cards.2

Choose a flexible payment option

If you’ve missed more than one payment because of a setback, you can either pay one lump sum or make three consecutive monthly payments to get your account back in good standing.


 Applicable to all CIBC credit cards.2

Work out a payment plan

If you temporarily can’t make your minimum payments, our team can help. With Quick Pay, you pay a smaller amount to get some extra time to make a long-term arrangement for your outstanding balance.


 Applicable to all CIBC Visa* credit cards.

Mortgage solutions

If you’ve unexpectedly fallen behind on payments, our credit counsellors can partner up with mortgage specialists to evaluate your situation and explore possible options.


 Applicable to all CIBC mortgage products.

Reminder about creditor insurance

CIBC Payment Protector™ Insurance for credit cards or creditor insurance for mortgages, personal lines of credit and loans can help in cases of a disability, involuntary job loss, critical illness or death.

To check whether you have CIBC Creditor Insurance:

  • Review your monthly statement for a premium charge
  • Visit a CIBC Banking Centre
  • Call the number on the back of your card

Learn more

Client stories

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Amisha’s story: Natural disaster

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Manage your expenses and savings

Take a minute to use our tool to discover the option that fits your case the most.

Create a monthly budget to manage your expenses. 

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Make it a habit to put a bit of money into a savings account regularly for a rainy day.  


Need to talk?

Get in touch. We’re here to help.