Accord D financing
You know it exists, but you've never used it? Desjardins is the only financial institution on the market to offer a simple, fast and flexible financing solution that lets you carry out a myriad of personal projects. What are your plans?
Two ways of using Accord D financing
- Cash advance: the advance is automatically deposited into your branch account1.
- In-store financing: financing is made in-store at the time of purchase2
Cash advance
- Financing method that favourably compares to personal loans:
- Financing for your personal projects (used car, renovations, travel, debt consolidation, etc.).
- Interest rate separate from your VISA Desjardins credit card and as good as that on a branch personal loan.
- Applications are processed within a few minutes3, whether or not the applicant is a VISA Desjardins cardholder.
- Financing amount is deposited automatically in your Personal Chequing Account (PCA).
- Already available on your VISA Desjardins card without affecting your current credit limit.
- Payments in equal instalments over a 6- to 60-month period, depending on the amount requested, and included in the minimum amount due on your VISA Desjardins card.
- You can repay all or a portion of the amount at any time, without penalty.
- Death and disability coverage automatically included for the primary accountholder only4.
- No administration fees.
- Paper or electronic monthly statement of account.
- Available on AccèsD Internet 24 hours a day, 7 days a week, or directly from your branch.
A six-month deferred principal payment option is available for all terms. In this case, only the interest is due during the deferment period. After this period, both principal and interest are due.
In-store financing
- Financing for the purchase of goods and services in various retail sectors: furniture, electronics, pool, sporting goods, renovations, dental care, etc.
- Financing application only takes a few minutes to complete with your sales representative at the store.
- 0% financing plan available at certain participating retailers2.
- Amount automatically available on your VISA Desjardins card.
- Flexible payment terms with participating retailers:
- Buy now and pay later: no credit charges or payments due during the grace period.
- Equal monthly instalments: with or without credit charges.
- Buy now and make payments in equal monthly instalments after a grace period.
- You can repay all or a portion of the amount at any time, without penalty.
- Accumulate BONUSDOLLARS on Accord D transactions made at participating retailers.
- Paper or electronic monthly statement of account.
Current rates on décembre 4, 2008
Amount of financing |
Term |
Interest rate |
|---|---|---|
$500 to $749.99 |
6 months or 1 year |
14,25% |
$750 to $999.99 |
18 months |
14,25% |
$1,000 to $1,499.99 |
2 years |
14,25% |
$1,500 to $4,999.99 |
3 years |
14,25% |
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Term |
Interest rate |
|---|---|
1 year |
12,00%
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2 years |
12,25%
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3 years |
12,25%
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4 years |
12,75%
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5 years |
13,25%
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 By phone(Members) |
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 At the branch
(Members and non-members) |
Make an appointment with an advisor at a branch.
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In store (Members and non-members) |
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1. Subject to approval by the Desjardins Card Services credit department.
Available at participating branch only. You must be a Desjardins Credit Union branch member.
2. Certain conditions apply (details in store).
3. During business hours of the Desjardins Card Services credit department.
4. Insurance coverages are underwritten by Desjardins Financial Security Life Assurance Company. Certain conditions and restrictions apply.
