Desjardins Auto and Leisure Vehicle Loan

Through dealers

  • Available on-the-spot when you make your purchase
  • 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

  • Fixed or comparative rate
  • Flexible payment terms

Other features

Eligible vehicles

Motorcycles, snowmobiles, personal watercrafts, all-terrain vehicles, boats, trailers, tent trailers, fifth wheel RVs, motorhomes

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 $5,000 for a leisure vehicle or $10,000 for a boat or recreational vehicle
  • Option of financing up to 100% of the cost of your purchase


6 to 240 months (depending on loan amount and type of vehicle)

Learn more about Eligible Terms - Leisure Vehicles (PDF, 46 KB) - This link will open in a new window..


  • 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  • Payments are withdrawn automatically from your account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

If you're new to Canada and have a work permit1, you could qualify for a loan to buy a vehicle2 even if you don't yet have any credit history in the country3.

Talk to your merchant or dealer for more information.

Get customized and competitively priced coverage for your vehicle. Learn more about recreational and leisure vehicle insurance.

Make your vehicle purchase easier at the dealership with pre-authorized financing.


  • 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.


  • 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 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

Avoid waiting on hold.

We can call you when it's convenient.

Schedule a call

  1. International students, temporary foreign workers with resident permits valid for less than 12 months and seasonal workers are not eligible. Some conditions apply.
  2. Subject to credit approval by Desjardins.
  3. 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.
  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.