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
- Exclusive discount on your vehicle insurance1
- $25 applicable on your leisure vehicle insurance (motorcycle - This link will open in a new window., all-terrain vehicle - This link will open in a new window., snowmobile, tent trailer or boat)
- $50 applicable on your motorhome insurance
You'll love
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Exclusive Member Advantages
Get a 0.30% rate discount
Pre-authorized Desjardins Leisure Vehicle Loan
- 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
- Fixed or variable rate
- Varies according to loan amount, vehicle type and term. Speak to your dealer for the current rates.
Find a participating dealer - This link will open in a new window.
0.30% rate discount
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
Terms
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..
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- Payments are withdrawn automatically from your account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
Exclusive Member Advantages
Make your vehicle purchase easier at the dealership with pre-authorized financing.
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 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.
Tips on buying a car
Determine what your needs are and how much you want to pay in terms of your budget.
Talk to an expert
Get quick access to the help and advice you need.
- 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
- The terms of the loan requested at the dealer must be the same as those of the loan granted in the pre-authorization certificate.