Desjardins Personal Loan (over $12,500)

With the Desjardins personal loan, the amount granted is determined by:

• your financial capacity;
• the amount of financing required;
• and, in certain cases, the useful life of the financed product.

The interest rate is set based on the repayment period you have arranged.

A fixed or variable interest rate: it's up to you

• A fixed-rate loan allows you to plan your payments more easily because the rate that applies to the loan remains unchanged throughout the duration of the loan.
• A variable-rate loan allows you to take advantage of the lowest possible rates. When rates drop, your payment amount remains the same but the duration of the loan may decrease. You can switch to a fixed-rate loan at any time.

Ask to receive a statement of account or select the monthly statement of account available on AccèsD Internet. You'll be able to follow rate fluctuations.

Flexible repayment methods

The repayment period is usually no longer than 5 years. However, the caisse may agree to a longer repayment period depending on the purpose of the financing (i.e., your unused RRSP contribution room) and, in some cases, on the guarantee provided.

You determine the frequency of the payments: daily, weekly or monthly. Payments will be withdrawn automatically from your account.

You can also repay your personal loan ahead of time, in part or in full, without penalty.

Protect your loan

When you take out Loan Insurance, the insurer will repay the insured portion of your loan in the event of death.

In the event of disability, Loan Insurance helps you meet your financial obligations by repaying the insured portion of your loan on your behalf.

	Online (Members and non-members)	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