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Desjardins Auto+ Loan

Who should get this loan?

Borrowers who want to finance the purchase of a car, motorcycle, boat, trailer or motor home.

Features

Interest rate	Fixed or variable rate based on loan amount. See Should I get a fixed or variable interest rate? See current rates for auto loans. See current rates for recreational vehicle loans.
Amount available	Finance up to 100% of the cost of your purchase.
Repayment	Loan payment frequency is flexible: weekly, bi-weekly or monthly. Payments can be withdrawn automatically from your account. No prepayment penalties: Pay off your loan whenever you want, in part or in full, without being charged extra fees.
Loan term	6 months to 20 years (based on loan amount and vehicle type)
Other	Lower auto insurance premiums for hybrid and fuel-efficient vehicles: Desjardins General Insurance gives you a discount to encourage reducing greenhouse gas emissions. Find out more about the discounts for hybrid and fuel-efficient vehicles Eligible for potential member dividends. Find out more about member dividends.

Should I get a fixed or variable interest rate?

Profile	Suggestion
You are cautious and sensitive to rate fluctuations.	Choose a fixed interest rate: Guaranteed for the duration of the term. Predictable. Easy to manage. Convertible to a variable-rate loan at any time without fee or penalty.
You are daring and moderately sensitive to rate fluctuations.	Choose a variable interest rate: Follows market fluctuations. Advantageous when rates are stable or falling. Generally lower interest rate than the current fixed rate. When rates drop, your payment amount remains the same but the duration of the loan may decrease. Convertible to a fixed-rate loan at any time without fee or penalty. The interest rate will be the current fixed rate at the time of conversion.

	Online	Fill out the form
	At the caisse	Make an appointment with a caisse advisor: online by phone