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You are here: Home > Personal > Cards, loans and credit > Auto and other vehicle loans > Desjardins Auto and Leisure Vehicle Loan
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Desjardins Auto and Leisure Vehicle Loan
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Desjardins Auto and Leisure Vehicle Loan - Through dealers
You've chosen the car you want and now you need financing? The Desjardins Auto and Leisure Vehicle Loan is available through more than 3,000 dealers in Canada.
Why get a Desjardins Leisure Vehicle Loan through a dealer?
Desjardins Leisure Vehicle Loans are flexible and accessible financing that will help you get the things you want and still respect your budget.
- Available on-the-spot when make your purchase
- Approval in just a few minutes
- Interest rate is lower than rate on unguaranteed personal loans since a Desjardins Leisure Vehicle 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 - This link will open in a new window., tent trailer or boat)
Fixed or variable interest rate
Varies according to loan amount, vehicle type and term.
- See should I get a fixed or variable interest rate
- Speak to your dealer for the current rates. Find a participating dealer - This link will open in a new window.
- Minimum $5,000
- Option of financing up to 100% of the cost of your purchase
6 months to 20 years (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- Payments are withdrawn automatically from your account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
Exclusive advantage for members
Getting pre-authorized allows Desjardins caisse members to shop for a vehicle knowing they're sure to get a loan. The pre-authorization certificate available on AccèsD makes buying a vehicle from a dealer easier.
Advantages
- You can shop for a vehicle within your means.
- You can focus your attention on getting the best deal, knowing you're sure to get a loan[?5?].
- You avoid having to fill out a credit application at your dealer and disclosing personal information.
- Speeds up the approval process and reduces your wait time at the dealer.
Features
- The Pre-authorized Desjardins Leisure Vehicle Loan is available to Desjardins caisse members only.
- Applications are processed within 24 business hours. You may, however, get a response a few minutes after submitting your application.
- Pre-authorization certificate2, is valid for 30 days from the date of issue. Expiry date is indicated on the certificate.
- Certificate can be used at any dealer who offers Desjardins Auto and Leisure Vehicle Loans
- Certificate is a printable PDF you take with you to the dealer.
- Certificate is available at all times on AccèsD. You can reprint it as needed.
- Loan interest rate will be provided by your dealer.
You may not apply for pre-authorization with a co-borrower or guarantor. Such loans may only be obtained directly from the dealer.
Apply for pre-authorization - This link will open in a new window.
| Profile | Suggestion |
|---|---|
| You are cautious and sensitive to rate fluctuations | Choose a fixed interest rate:
|
| You are daring and moderately sensitive to rate fluctuations | Choose a variable interest rate:
|
Exclusive Advantage For Members
0.30% rate discount
Desjardins Auto and Leisure Vehicle Loan through dealers
Finance your vehicle with a Desjardins Auto or Leisure Vehicle Loan at an authorized dealer and get a 0.30% interest rate discount3 on your loan. This exclusive discount is effective for the entire term of the loan. Calculate how much interest you could save on your loan - External link. This link will open in a new window.
See all member advantages for individuals - Financial products and services.
- 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.
- Applies to the regular interest rate of a Desjardins loan at participating dealers.