Scotia offered - $125K at prime
- Offered a credit card with $10K limit (waived the annual fee)
TD offered - $100K at prime
CIBC offered - $100K at prime +1.
They all are pretty much 5 - 10 minute application forms I sat with a representative at each bank and the process is nearly identical at all three. The reps mentioned you do not need a co-signer unless you have some credit red flags, which would then require a guarantor (not a co-signer). I did not discuss repayment terms.
I have an 8 yr old macbook pro and its a great computer despite its age. One day it just shut off mid use and wouldn't turn on again. Managed to get the issue fixed, but thankfully I also have a chromebook and all my work saved in cloud storage or I would have been screwed for about a week.