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How To Borrow Money from TD Bank (EASY!)A cash-out refinance can mean money in your pocket to help make home improvements, consolidate existing debt, buy a new car, pay college tuition or finance. TD could help you consolidate your debts and save money by paying off higher-interest credit cards, debt, and credit, with a TD Personal Loan or TD Personal. With a TD Debt Consolidation Loan, you can combine all of your existing debt � such as credit cards, lines of credit or loans � into one regular payment.