FAQ – Accounts and services – Desjardins Auto and Leisure Vehicle Loan

If you're planning to buy a new or used car or recreational vehicle over $5,000 from a dealer, a Desjardins Auto and Leisure Vehicle Loan might be your better option.

A Desjardins Auto and Leisure Vehicle Loan is the ideal financing tool for a new or used car, motorcycle, recreation vehicle, boat or RV.

A Desjardins Auto and Leisure Vehicle Loan, available directly through dealers, provides on-the-spot financing at lower rates.

  • Interest rate is lower than rate on unguaranteed personal loans since a Desjardins Auto Loan is guaranteed by your vehicle
  • Competitive interest rate, fixed or variable, and flexible payment terms
  • Green option available for purchase of a new hybrid or electric vehicle

Learn more about Desjardins Auto Loans or and Leisure Vehicle Loans.

Accord D financing

Accord D financing is ideal if you need quick access to money to buy a vehicle under $5,000.

Learn more about Accord D financing.

Desjardins Auto and Leisure Vehicle Loans

If you're planning to buy a vehicle over $5,000 from a new or used car dealer, a Desjardins Auto and Leisure Vehicle Loan is your better option.

A Desjardins Auto and Leisure Vehicle Loan is the ideal financing tool for a new or used car, motorcycle, recreation vehicle, boat or RV.

A Desjardins Auto and Leisure Vehicle Loan, available directly through dealers, provides on-the-spot financing at lower rates.

  • Interest rate is lower than rate on unguaranteed personal loans since a Desjardins Auto Loan is guaranteed by your vehicle
  • Competitive interest rate, fixed or variable, and flexible payment terms
  • Green option available for purchase of a new hybrid or electric vehicle

Learn more about Desjardins Auto and Leisure Vehicle Loans.

Auto+ Loan

If, however, you're planning to buy a vehicle over $12,500 from a private seller, a Desjardins Auto+ Loan may be a good choice for you.

Apply for the loan at your caisse or by phone at 1-800-CAISSES (1-800-224-7737).

Learn more about Desjardins Auto+ Loan.

Fixed and variable rates are available at your merchant and may vary according to the loan amount, type of vehicle and loan term. See your dealer for rates.

See Should I get a fixed or variable rate?

Yes, as a Desjardins member, you can now apply online for pre-authorization for a Desjardins Auto and Leisure Vehicle Loan. The pre-authorization certificate makes buying a car from a dealer easier, since you know you're sure to get a loan.

To get a pre-authorization certificate:

  1. Log on to AccèsD.
  2. Click Cards, loans and credit.
  3. Click Apply for credit link, and then on Pre-authorized Auto and Leisure Vehicle Loan.
  4. Click Apply.

The service is available only to Desjardins members.

Learn more about the Pre-authorized Desjardins Ready-to-Drive Loan.

Contact a customer service advisor.

Montreal area: 514-224-7737
Elsewhere in Quebec , Canada and the U.S. : 1-800-224-7737
Monday to Friday, 8:00 a.m. to 9:00 p.m., Saturdays and Sundays, 8:00 a.m. to 6:00 p.m.

When you bought your vehicle, you gave the seller either a void cheque or your bank account information. Your loan payments will be withdrawn from this account according to the schedule you chose when you bought your vehicle. You have nothing else to do.

Your loan account with Fédération des caisses Desjardins du Québec is exclusively used for your Auto or Leisure Vehicle Loan. You can’t use it for transactions like withdrawals or payments. It can only be used to pay back your loan.

You can make a prepayment on AccèsD.

Go to your Auto or recreational vehicle loan and select Prepayment on the Overview page or in the details section of your loan.

If you don't have an AccèsD account, call 1-800-CAISSES (1-800-224-7737) and select options 3 and then 2 from the voice menu.

To make payment arrangements regarding Desjardins Auto and Leisure Vehicle Loans, call us at 1-877-999-5552 or 514-397-0376 in the Montreal area. An advisor will be happy to assist you.

Contact us as soon as possible at 1-877-999-5552 or 514-397-0376 (Montreal area).

Fédération des Caisses Desjardins du Québec
400, boul. de Maisonneuve Ouest
10e étage
Montréal, Québec H3A 1L4

You can see your statement online, on AccèsD anytime. You can also see your balance or get a printed statement by contacting customer service at 1-800-CAISSES (1-800 224-7737).

Important: You'll receive a printed statement dated December 31 every year and a final statement once you've paid off your loan in full.

We recommend you contact an accredited Desjardins dealer, who will take in account the remaining balance on your previous loan when you apply for a new one.

Call us at 1-877-871-0114 during business hours, Monday to Friday, 8:30 a.m. to 9:00 p.m.

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