Desjardins Mutual Assistance Funds

In the last few years, Quebec has seen an alarming rise in the debt rate. Commercial soliciting is rampant and aggravates the often precarious financial situation of some consumers. This is why Desjardins Group launched the Desjardins Mutual Assistance Funds.

Working in partnership with budget consulting organizations, this community product aims to help people in financial difficulty by offering budget management advisory services and, if needed, a "tide-over" loan.

The average loan amount is $500 and the repayment period is spread over a maximum of 24 months. Most Desjardins Mutual Assistance Funds offer interest-free loans.

Individual budget advice is offered free of charge by all the budget consulting organizations; however, only those associated with a Desjardins Mutual Assistance Fund offer the possibility of a loan (see the list). Clients should contact these organizations by telephone and must:

  • be a member of a participating caisse or agree to become a member (certain conditions apply)
  • agree to participate in budget consulting under the responsibility of the budget consulting organization associated with a Desjardins Mutual Assistance Fund
  • be able to repay the loan
Budget consulting organizations associated with a Desjardins Mutual Assistance Fund
Association coopérative d'économie familiale (ACEF) de la Rive-Sud de Québec
418 835-6633
ACEF de Lanaudière
450 756-1333
ACEF Montérégie-Est
450 375-1443
ACEF de l'Abitibi-Témiscamingue
1 877 764 3302
ACEF de l'Est de Montréal
514 257-0904
ACEF du Nord de Montréal
514 277-7959
ACEF du Sud-Ouest de Montréal
514 362-1771
ACEF de l'Île Jésus (Laval)
450 662-9144
ACEF de l'Outaouais
819 770-4911
ACEF du Grand-Portage (Rivière-du-Loup)
418 867-8545
ACEF du Grand-Portage (Gaspésie)
1 888 368-0029
ACEF de Rimouski-Neigette et Mitis
418 723-0744
ACEF des Basses-Laurentides
450 430-2228
ACEF Amiante-Beauce-Etchemins
418 338-4755
Association pour la protection des intérêts des consommateurs (APIC) de Baie-Comeau
1 877 589-7324
Centre d'intervention budgétaire et sociale (CIBES) de la Mauricie
819 378-7888
Centre de recherche et d'information en consommation (CRIC) de Port-Cartier - Sept-Îles
418 766-3203
Entraide Budgetaire Ottawa
613 746-0400
Groupe de recherche en animation et planification économique de Québec (GRAPE)
418 522-7356
Option Consommateurs (Montréal)
514 598-7288
Service budgétaire Lac St-Jean Est
418 668-2148
Service budgétaire et communautaire de Chicoutimi
418 549-7597
Service budgétaire et communautaire de Jonquière
418 542-8638
Service budgétaire et communautaire de Saint-Félicien
418 679-4646
Service budgétaire et communautaire de la MRC Maria-Chapdelaine
418 276-1211
Service budgétaire populaire de La Baie et du Bas-Saguenay
418 544-5611
Service d'aide alimentaire et budgétaire de Charlevoix-Est
418 665-4197
Solutions Budget Plus (Sherbrooke)
819 563-0535