RRSP Loans and Investment Loans

SSQ Financial Group offers loan programs to invest in an RRSP or a non-registered savings plan (NRSP) with different reputable lenders:

  • B2B Bank
  • SSQ

RRSP Loans

An RRSP loan is meant to provide funds to invest in an RRSP. Your clients can enjoy the benefits associated with RRSPs and increase their retirement savings.

B2B Bank's RRSP Loans

Whatever your clients' situation, the RRSP loan from B2B Bank offers a solution to meet their needs.

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Amount of Loan

  • Minimum: $2,000
  • Maximum: $50,000


The repayment period must not exceed the next whole number following the amount of the loan divided by $2,000.

For example, the repayment period on a $6,500 loan must not exceed 4 years.

$6,500 / $2,000 = 3.25, or 4 years maximum.


The loan is repaid by monthly pre-authorized debit payments.

There is no penalty if the loan is repaid in full or in part at any time.


Deferred Initial Payment

Your clients may choose to defer their initial payment up to:

  • 3 months (minimum repayment period of one year)
  • 6 months (minimum repayment period of 2 years)

Interest Rate

Repayment period Variable rate
3 and 6 months Prime rate + 1.25%
12 and 24 months Prime rate + 1.25%
3 to 5 years Prime rate + 2.25%
6 to 10 years Prime rate + 3.25%

Learn More

SSQ RRSP Loan program overview (PDF, 426 kB)

Investment Loans

The investment loan is a strategy that uses the concept of leverage effect. Leverage effect consists of borrowing money to invest and thus earn a return on the amount borrowed from financial institutions.

B2B Bank Investment Loans

B2B Bank developed an investment loan program to help you address the needs of your clients.

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SSQ Investment Loans

Loan Options

  • 100% loan (without an initial capital amount)
  • 3 for 1 loan, where the client must invest an amount equal to one third of the borrowed amount

Amount of Loan

  • 100% Loan: from $10,000 to $100,000
    Loans of $75,000 to $100,000 are only permitted for investment in SSQ Equity GIA
  • 3 for 1 loan: from $10,000 to $150,000


The loan is repaid by monthly pre-authorized debit payments.

Your client may decide to repay the interest only or the capital and interest.

Interest Rate

Amount of loan 100 % Loan 3 for 1 Loan
$10,000 to $24,999 Prime rate + 2.25% Prime rate + 1.75%
$25,000 to $100,000 Prime rate + 2% Prime rate + 1.5%
$100,000 to $150,000 Not available Prime rate + 1.5%

Learn More

SSQ Investment loan program (PDF, 157 kB)

Contact us

Quebec 1-888-292-8483 sales.insinv.qc@ssq.ca
Ontario, Western and Atlantic Canada 1-888-429-2543 sales.insinv@ssq.ca