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You are here: Home > Personal > Cards, loans and credit > Auto and other vehicle loans > Desjardins Auto+ Loan (over $12,500)

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Auto+ Loan (over $12,500)

Who should get this loan?

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

Amount available

Finance up to 100% of the cost of your purchase.


  • 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  • Payments can be withdrawn automatically from your account.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)


Eligible for potential member dividends.
Learn more about member dividends.



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.


Did you know?
When you take out Loan Insurance, the insurer repays the loan amount in the event of death. In the event of disability, the insurer repays the insured portion of your payments. If the unexpected strikes, it ensures your financial obligations are covered. Learn more about Loan Insurance.