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

Exclusive Member Advantages

Get a 0.30% rate discount1
  • Fixed or variable rate
  • Flexible payment terms

Other features

Eligible vehicles

Motorcycle, snowmobile, personal watercraft, all-terrain vehicle, boat, trailer, tent trailer, fifth wheel, motorhome

Interest rate

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

0.30% rate discount1

Calculate your potential savings on financing - This link will open in a new window.

Amount available

  • Minimum $5,000
  • 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  • Payments are withdrawn automatically from your account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

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 approval2.

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

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.


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

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  1. Regular fixed rate before any other Desjardins member exclusive rate discount. Some conditions, exclusions and limitations apply. File may be approved with a different amortization based on credit risk. Any vehicle with over 170,000 km in mileage is not eligible. Rate may vary depending on term, type of vehicle, loan amount and your credit rating. 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.
  2. The terms of the loan requested at the dealer must be the same as those of the loan granted in the pre-authorization certificate.