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 caisse 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.).
• Financing for your RRSPs (annual contribution or unused contribution room). Find out more about Accord D RRSP financing
• Interest rate separate from your VISA Desjardins credit card and as good as that on a caisse 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) or RRSP Regular Savings Account (RRSP RS) at the caisse.
• 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 caisse.

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.

	Online (Members)	AccèsD Internet users: Log on to AccèsD Follow the instructions on the appropriate page. AccèsD Internet non-users: Accord D financing: Fill out the form Accord D RRSP financing: Fill out the form
	By phone (Members)	Montreal area: 514-522-2373 Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737)
	At the caisse (Members and non-members)	Make an appointment with a caisse advisor: online by phone
		Documents to bring to your meeting
	In store (Members and non-members)	At participating retailers2

1. Subject to approval by the Desjardins Card Services credit department. Available at participating caisses only. You must be a Desjardins caisse 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.