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Manage debt/credit

Borrowing can help you access funds for your next big purchase. Find out more about the loan process, how lending works, and helpful tricks for improving your credit score.

Borrowing basics

Discover the basics for loans and credit scores to help you reach real financial progress.

  • Guide for applying for a loan

    Use our helpful guide to get ready for applying for a loan.

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  • How to get approved for a personal loan

    Find out what you can do to get approved for a personal loan.

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  • How to improve your credit score

    Learn what credit history and reports are and how to view and build your score.

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  • How to build credit history

    Learn what credit history and reports are and how to view and build your score.

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Pay off credit card purchases with flexible installment plans

Access tools and learning resources to help you reach your financial goals.

  • Live now, pay smarter with BMO PaySmartTM

    Enjoy lower monthly payments with no interest and a low monthly fee through BMO PaySmart. Learn more about how to pay off your qualifying purchases in equal monthly payments, by a set date.

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Which other financial goals would you like to explore?

  • Real Financial Progress Hub

    Understanding your goals empowers you towards making real financial progress.

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  • Achieve goals

    I want to save more money for unexpected costs and my next big purchase.

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  • Build financial foundations

    I want to understand how to spend my money in a way that helps me build and achieve financially stability.

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