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Auto loans and other loans

Through dealers

  • Available on-the-spot when you buy your vehicle
  • Approval in just a few minutes
  • Interest rate is lower than rate on unguaranteed personal loans since a Desjardins Auto Loan is guaranteed by your vehicle
  • Exclusive discount on your vehicle insurance1
Obtenir ce produit - Desjardins Ready-to-Drive Loan

You'll love

  • Exclusive Member Advantages

    Get a 0.30% rate discount

    Pre-authorized Desjardins Auto Loan

  • Green option: Fixed reduced rate
  • Flexible payment terms

Other features

Eligible vehicles

Cars, vans, sports utility vehicles and minivans

Commercial use vehicles: cannot be financed by individuals

Interest rate

Find a participating dealer - This link will open in a new window.

0.30% rate discount

Calculate your potential savings on financing - Cet hyperlien s'ouvrira dans une nouvelle fenêtre.

Amount available

  • Minimum $5,000
  • Option of financing up to 100% of the cost of your purchase

Terms

6 to 96 months (depending on loan amount and type of vehicle)

Repayment

  • Payment frequency options: weekly, every 2 weeks or monthly
  • Payments are withdrawn automatically from your account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

Green option

If you opt for a new hybrid or electric vehicle, you benefit from 2 additional advantages:

  • Fixed rate reduced to as low as 3.9%2
  • An additional discount on your auto insurance3: 15% off for a hybrid car and 20% off for an electric car

Preauthorized Desjardins Auto Loan

Exclusive Member Advantages

Make your vehicle purchase easier at the dealership and get pre-authorized for the amount you want.

Advantages

  • Shop for a vehicle with peace of mind, knowing your loan will be approved.
  • No need to complete a credit application from the dealer and reveal personal information.
  • Lets you focus on negotiating the price and terms of the transaction.
  • Saves waiting time at the dealership.

Features

  • Available online on AccèsD
  • Available to Desjardins members only.
  • Loan interest rate will be provided by your dealer.
  • You'll receive a pre-authorization certificate upon approval4.

The pre-authorization certificate is:

  • valid for 30 days
  • available on AccèsD as a printable PDF document

It's important to take your certificate to the merchant or dealer. Without it you’ll have to apply all over again.

Pre-authorization is not available for loan applications involving a co-borrower or guarantor. In such cases, please complete a loan application at your dealership.

Get pre-authorized  - This link will open in a new window.

Fixed or variable rate?

Fixed interest rate:

  • Guaranteed for the duration of the term
  • Predictable
  • Easy to manage

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, payment amount remains the same but the duration of the loan may vary.
  • 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.

Talk to an expert

Get quick access to the help and advice you need.

  1. Available only in Quebec. This discount applies to the payment of the insurance premium of the vehicle financed by Desjardins, only for the first year of the policy. This promotion is available upon purchase of the vehicle and during the subsequent period for a maximum of 1 year
  2. Some conditions apply. In Ontario, the annual percentage rate (APR) is equal to the posted interest rate, assuming that there are no additional charges applicable to the loan. Should there be such charges, the APR might be different
  3. Available only in Quebec. The discounts for electric and hybrid vehicles are part of the Green Savings offered by Desjardins General Insurance Inc.
  4. The terms of the loan requested at the dealer must be the same as those of the loan granted in the pre-authorization certificate.

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