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Borrow online

Some credit products are only available to Desjardins members.

To become a member, fill out the online account application form or make an appointment with an advisor at a caisse.

See the demonstration to find out more about how online forms and applications work.

Accord D financing (Members)	Get a cash advance fast: Financing method that compares favorably to personal loans Already available on your VISA Desjardins card without affecting your current transaction limit Interest rate separate from the VISA Desjardins card rate Available in just a few minutes on AccèsD if you have a VISA Desjardins card Find out more about Accord D financing.	Fill out the form
Personal Loan over $12,500	Make a major acquisition or take advantage of an opportunity Interest rate: fixed or variable, depending on the term Pay it back any time, in full or in part, without penalty Find out more about personal loans over $12,500.	Fill out the form
Desjardins Personal Line of Credit	Get the financing you need for your projects Minimum line of credit: $5,000 Interest rate: fluctuates with the prime rate charged by financial institutions. Interest is calculated on the daily balance and is payable on a monthly basis Flexible payment terms Find out more about the Desjardins Personal Line of Credit.	Fill out the form
Auto Loan of $12,500 or less (Members)	Buy a vehicle for $12,500 or less Financing linked to your VISA Desjardins card Interest rate: lower than or comparable to the rate on a $12,500 loan Pay it back any time, in full or in part, without penalty Available in just a few minutes on AccèsD if you have a VISA Desjardins card Find out more about auto loans of $12,500 or less.	Fill out the form
Auto Loan (over $12,500)	Buy a vehicle over $12,500 and enjoy payment terms that suit your budget Finance up to 100% of the cost of your purchase Interest rate: fixed or variable Make advance payments whenever you want without penalty Find out more about Desjardins Auto loan+ (over $12,500).	Fill out the form
Mortgage Loan	Buy a home or make major renovations Open or closed mortgage Interest rate: fixed or variable Can be complemented with the Multiproject Option Find out more about mortgage loans.	Fill out the form
Multiproject Option (Members)	Re-borrow money already paid on your mortgage Available to all Desjardins mortgage holders Interest rate: current mortgage rate, rate is lower than the rate on a personal loan or line of credit No legal fees Find out more about the Multiproject Option.	Fill out the form
Preauthorized mortgage	To find out how much you can borrow and protect yourself from rate hikes. Negotiating with the seller or broker is easier Interest rate is guaranteed for a minimum of 90 days Benefit from possible interest rate declines if, at the time you sign the contract, the interest rate is lower than the initial rate Allows you to get your loan faster. Find out more about a Preauthorized Mortgage.	Fill out the form
Versatile Line of Credit	To purchase a property or cottage, renovate, invest or make your dreams a reality Attractive interest rate, interest payable monthly Finance up to 80% of the value of your home Cash advances taken out against the line of credit can be converted into personal loans or car loans at any time Find out more about the Versatile Line of Credit.	Fill out the form
Student Advantage Line of Credit	Cover your major school expenses Reserved for full-time and part-time vocational, college and university students Attractive interest rate Payment during your studies: interest on the borrowed principal after your studies: principal over a maximum period of 5 years (college level) and 10 years (university level) Find out more about the Student Advantage Line of Credit.	Fill out the form
Accord D RRSP financing (Members)	Contribute to your RRSP and opt for a Desjardins investment vehicle Financing method that compares favorably to RRSP loans Take advantage of a 6-month period to defer payment of the principal on your financing until you get your income tax refund (if you are eligible for such a refund) Already available on your VISA Desjardins card without affecting your current transaction limit Interest rate separate from the VISA Desjardins card rate Available in just a few minutes on AccèsD if you have a VISA Desjardins card and a Regular Savings Account (RS-RRSP) Find out more about Accord D RRSP financing.	Fill out the form
Desjardins RRSP Loan (over $12,500) (Members)	Invest in your RRSP or increase your contribution Interest rate: lower than the rate on a personal loan Flexible payment terms Pay your loan ahead of schedule, in whole or in part and without penalty Find out more about the RRSP loan of over $12,500.	Fill out the form
VISA Desjardins card	Charge your regular expenses and get cash advances Cards for students, no annual fees, low interest rate, with privileges, rewards program, for travel Check your account on AccèsD (Internet and Telephone) Find out more about the VISA Desjardins card.	Fill out the form