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Learn how to check your Scotiabank car loan balance in just a few easy steps. Keep track of your payments and stay on top of your finances

If you have taken out a car loan with Scotiabank, keeping track of your loan balance is essential to staying on top of your financial commitments. In this article, we’ll guide you through the process of checking your car loan balance through Scotiabank’s online banking platform. We’ll also provide tips for managing your loan effectively and alternative ways to check your balance. So let’s dive in!

Step 1: Register for Scotiabank Online Banking

Register online

To begin, you’ll need to register for Scotiabank’s online banking service. Visit the Scotiabank website and click on the “Sign In” button in the upper right-hand corner. Then, select the “Register Now” option and follow the prompts to create your account.

Register using the mobile app

Alternatively, you can register through the Scotiabank mobile app. Simply download the app from the App Store or Google Play, open it, and tap the “Sign Up” button. Follow the on-screen instructions to complete your registration.

Step 2: Log in to Your Online Banking Account

Once you’ve registered, log in to your Scotiabank online banking account either through the website or the mobile app using your username and password.

Step 3: Navigate to Your Car Loan Details

Accessing loan details on the website

After logging in, find the “Accounts” tab on the main navigation menu, then click “Loans & Credit.” This will take you to a page that lists all your outstanding loans, including your car loan.

Accessing loan details on the mobile app

If you’re using the mobile app, tap the “Accounts” icon at the bottom of the screen. Scroll down to the “Loans & Credit” section and select your car loan from the list.

Step 4: Review Your Car Loan Balance and Other Details

On the car loan details page, you’ll see your current loan balance, interest rate, payment schedule, and any other relevant information. Review this data to ensure you’re up to date with your payments and to plan for upcoming payments.

Step 5: Set Up Alerts and Reminders for Payments

To help you stay on top of your car loan balance, set up payment alerts and reminders through the online banking platform or mobile app. These notifications can be sent via email, text message, or push notifications, and they’ll help you avoid late payments and any associated fees.

Other Ways to Check Your Car Loan Balance

Visit a local branch

If you prefer a more personal touch or don’t have access to online banking, you can visit your local Scotiabank branch to check your car loan balance. A representative will be able to provide you with your loan details and answer any questions you may have.

Call Scotiabank customer service

Another option is to call Scotiabank’s customer service line at 1-800-4-SCOTIA (1-800-472-6842). After verifying your identity, a representative can provide you with your current car loan balance and other loan details.

Tips for Managing Your Car Loan Balance

  1. Make timely payments: To keep your loan in good standing and avoid late fees, ensure you make all payments on time. Setting up automatic payments or reminders can be helpful in staying on track.
  2. Extra payments: If your budget allows, consider making extra payments or paying more than the minimum amount due. This can help you pay off your loan faster and save on interest.
  3. Monitor interest rates: Keep an eye on market interest rates. If they decrease, you may be able to refinance your loan for a lower rate, reducing your monthly payment and the overall cost of the loan.
  4. Review your loan agreement: Make sure you understand the terms and conditions of your loan, such as prepayment penalties and fees for late or missed payments. This will help you avoid any unexpected surprises.
  5. Maintain a budget: Having a monthly budget in place will help you ensure you have enough funds to cover your car loan payments and other financial obligations.


In conclusion, checking your car loan balance with Scotiabank is a simple process that can be done through online banking, visiting a local branch, or calling customer service. By regularly monitoring your loan balance and following the tips provided for managing your loan, you’ll be better equipped to stay on top of your financial commitments and ultimately pay off your car loan more quickly.


  1. Is there a fee for using Scotiabank’s online banking platform to check my car loan balance?

No, there is no fee for using Scotiabank’s online banking platform to check your car loan balance or access other account information.

  1. Can I make car loan payments through Scotiabank’s online banking or mobile app?

Yes, you can make car loan payments through both the online banking platform and mobile app, as well as set up automatic payments or one-time payments.

  1. What if I forget my online banking username or password?

If you forget your username or password, you can use the “Forgot username?” or “Forgot password?” links on the Scotiabank online banking login page to recover your account information.

  1. How often should I check my car loan balance?

It’s a good idea to check your car loan balance at least once a month to ensure you’re up to date with your payments and to plan for upcoming payments. You may also want to check your balance after making any extra payments to see the impact on your remaining balance.

  1. Can I check my car loan balance with Scotiabank if I have a co-signer on the loan?

Yes, both the primary borrower and co-signer can check the car loan balance and access the loan details through their respective Scotiabank online banking accounts.