Special offer

Get $100 with CIBC Smart™ Start and $50 for each student you refer!

Refer a friend

Refer a student or youth under 25 and you’ll both earn $50

Check out these great benefits

Access your line of credit anytime online or with our mobile app

Get a great low interest rate, as low as CIBC Prime minus 0.25%* (currently RDS%rate[1].PRIME.Published(null,null,null,null)(#O2#)% - 0.25*)

Make interest-only payments while in school and up to 24 months2 after graduation, residency or articling

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Borrowing options designed with you in mind

Medicine

$350,000

CIBC Prime - 0.25%

Dentistry

$350,000

CIBC Prime - 0.25%

Optometry

$125,000

CIBC Prime - 0.25%

Chiropractic Medicine   

$140,000

CIBC Prime

Veterinary Medicine   

$140,000

CIBC Prime

Business (including MBA and EMBA)

$125,000

CIBC Prime

Pharmacy 

$125,000

CIBC Prime + 0.25%

Law

$100,000

CIBC Prime + 0.25%

Occupational Therapy, Physiotherapy or Accounting    

$80,000

CIBC Prime + 1%

Nursing or Engineering

$60,000

CIBC Prime + 1%

Here’s what you need to apply

Note: Applications are subject to credit approval. If your credit history is limited, a guarantor is required. Qualified applicants studying at a Canadian school do not require a guarantor.

Ready to get started?

How to repay your line of credit

While you’re in school

Up to 24 months2 after graduation, residency or articling

1 year after graduation, residency or articling