Desjardins auto loan

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

You'll love

  • Green option: Competitive fixed 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.

Calculate your different loan scenarios - This link will open in a new window.

Amount available

  • Minimum $7,500
  • Option of financing up to 100% of the cost of your purchase


Depending on loan amount and type of vehicle


  • 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  • Payments are withdrawn automatically from your account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 on AccèsD by choosing Prepayment



  • Benefit from a competitive fixed rate when you borrow $25,000 or more to buy a hybrid or an electric vehicle1. Ask your dealer for current rates.
  • Get a discount on your auto insurance2: 15% off for a hybrid vehicle and 20% off for an electric vehicle.

If you're new to Canada and have a work permit3, you could qualify for a loan to buy a vehicle4 even if you don't yet have any credit history in the country5.

Talk to your merchant or dealer for more information.

Get customized and competitively priced coverage for your car. Learn more about car insurance.

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


  • Shop for a vehicle with peace of mind.
  • 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.


  • Financing available for cars ages 7 years or younger. For cars older than 7 years, financing is available if the odometer reads less than 170,000 km.
  • 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 approval6.

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.

Preapproval and related conditions are given based on the information that is provided. It may be rescinded or modified if the information is inaccurate or incomplete or if an applicant's financial situation has changed since making the request. The preapproval may also be modified if an applicant no longer meets the original qualification criteria at the time they go to the merchant for financing.

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

Fixed interest rate:

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


We can help you shop smart and get the right financing for your next vehicle.

Visit eSpaceAuto for tips

Let's talk

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  1. Some conditions, exclusions and limitations apply. Vehicles with over 170,000 km are not eligible. Rates may vary depending on type of vehicle, loan amount and term, and your credit score. Rates and promotions may change at any time without notice.
  2. Available in Quebec only. Discounts for hybrid and electric vehicles are part of the Green Savings offered by Desjardins General Insurance Inc.
  3. International students, temporary foreign workers with resident permits valid for less than 12 months and seasonal workers are not eligible. Some conditions apply.
  4. Subject to credit approval by Desjardins.
  5. Loan eligibility and terms depend on the type of resident permit, the vehicle, the term and amount of the loan and the credit risk. Available in Quebec only. Certain conditions, limitations and exclusions apply. Offer subject to change at any time without prior notice.
  6. The terms of the loan requested at the dealer must be the same as those of the loan granted in the pre-authorization certificate.