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Scotiabank clients impacted by Hurricane Melissa can defer their loan and card payments via our Client Assistance Program.
Call 888-4-SCOTIA (888-472-6842)
At Scotiabank, we know rebuilding takes support and as we navigate the aftermath of Hurricane Melissa, we are here to help our clients by providing financial relief to those who need it most through our Client Assistance Program (CAP).
The Client Assistance Program allows eligible clients to defer payments on loans and credit cards for up to 3 months, giving you time to recover without worrying about immediate financial obligations.
If you have not been impacted by the hurricane, we recommend that you continue to make payments on your loans so that you decrease your debt.
Together, we will rebuild stronger
A message from Audrey Tugwell Henry,
President & CEO Scotia Group
Lending Products
If you are a Credit Card, Scotia Plan Loan (SPL) – Auto & Unsecured, Scotialine, Small Business, Term Loan or Mortgage client impacted by Hurricane Melissa and would like to defer your loan payments, you may contact our Client Experience Centre or a Bank Officer to opt in/submit your deferral request. Submissions for deferral applications will close December 31, 2025. Submissions for deferral applications will close December 31, 2025.
While no payments may be due during the deferral period of applicable products, interest on your loan will continue to accrue along with any loan premiums due and will be payable at a later point in the loan’s cycle.
Your Creditor Protection insurance coverage for loans and credit cards will continue as normal. Any delayed premiums will be collected after the deferral period.
If you are approved for a payment deferral and wish to continue to make your loan and credit card payments, you can continue to do so by signing in to Scotia OnLine or visiting your nearest branch to make a payment.
Other products and services
If you are a business client that uses our Merchant Services, example Point of Sale terminals, and you have been impacted, send us an email at merchantonboardingja@scotiabank.com so we can assist you promptly.
In support of our clients during this difficult time, effective immediately, all Real Time Gross Settlement (RTGS) fees (transfers between institutions) will be waived until Wednesday, December 31, 2025.
If you are a ScotiaProtect (SGIA) client with active property, contents or auto insurance policies and you have incurred damages following Hurricane Melissa, please contact us at scotiageneral@scotiabank.com or 876-970-7442 so we can guide you through the claims process.
If you are Scotia Insurance client with active policies, we offer flexible options to help you stay protected. Connect with your Scotia Insurance advisor or call 888-GO-SJLIC (888-467-5542) to learn more about how we can support you if you are facing financial hardships following the passage of Hurricane Melissa.
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Our team is here to support you with any questions regarding your financial needs including your eligibility for refinancing or consolidating your debt.
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