Equal monthly instalment financing plan

Monthly Accord D instalments are automatically transferred to your current Desjardins credit card balance. This means that by paying the minimum amount due on your bill, you also pay your Accord D monthly instalment, reducing your plan's principal balance.

Deferred payment financing plan

The payment for this "buy now and pay later" plan is not included in your monthly payment and is due on the plan due date. You'll receive a notice that the total balance is due between 30 and 59 days before the plan due date on your statement of account.

Deferred principal payment financing

"Buy now and make payments in equal monthly instalments after a grace period". Monthly Accord D instalments are automatically transferred to your current Desjardins credit card balance. During the deferred principal payment period, only interest fees are billed every month. After this period, monthly payments will include the principal as well as the interest fees. By paying the minimum amount due, you are also paying your monthly Accord D instalments.

Principal payment

Payments applied directly to the financing plan are lump-sum payments (in whole or in part for the deferred payment plan) and do not satisfy the Accord D monthly instalments included in the payment.

Principal payments made to equal payment financing plans and deferred principal payment financing plans are therefore additional payments (separate from Accord D monthly payments) that can be made at any time before the due date to reduce the balance in whole or in part.

Note that regular and lump-sum payments may be made before the due date without penalty, regardless of the type of financing plan selected.

Payment methods

You can pay your Desjardins credit card and Accord D account balances:

• at any ATM that accepts Desjardins credit card payments (except for principal payments)
• at your Desjardins caisse
• by authorized payment (except for principal payments)
• by mail at the following address: Desjardins Card Services, P.O. Box 8601, Centre-ville Station, Montréal, Québec, H3C 3V2 (with appropriate coupon)
• on AccèsD Internet and via AccèsD Telephone

Desjardins caisse members can also pay at any Desjardins ATM.

Accessorize and maintain your car

Planning to buy new snow tires this year? Does your car need a seasonal mechanical inspection? Or are you thinking of buying a used car so you can go skiing or snowboarding?

Accord D financing lets you pay car-related expenses quickly and easily. Apply for it from the dealership, the corner garage or from home, either online on AccèsD or by calling 1-800-CAISSES (1-800-224-7737). In less than 15 minutes5, funds will be deposited into your account6.

Payments can be made according to the term you select and at the same interest rate as that on a personal loan. You'll be able to get the most out of your car without putting too big a dent in your budget.

View the list of retailers that allow you to use Accord D to pay for your car-related purchases.

Take a vacation

Dreaming about a vacation? Accord D makes taking a vacation easy.

Before you leave: apply for Accord D financing online on AccèsD, at your caisse or by calling 1-800-CAISSES (1-800-224-7737). In less than 15 minutes5, funds will be deposited into your account6.

When you get back: equal monthly payments for the term selected.

Any time: pay back the cash advance in full before the due date, without penalty.

Accord D financing is a financing method that compares favourably with personal loans. It is a second credit limit separate from the limit allowed for your current transactions. This means that your regular credit card limit is available to reserve a hotel room, purchase airline tickets, rent a car, etc. The Accord D financing interest rate is separate from the Desjardins credit card rate.

Foreign exchange conversion fees can be quite steep when traveling abroad. Desjardins credit card conversion fees are 2.5% at all times, regardless of the country. Making purchases with your credit card lets you avoid the high commissions charged by foreign exchange bureaus.

And if your card is ever lost or stolen, there is nothing to worry about. You will not be held responsible for transactions that you did not make.

Renovate your home

Are you thinking about installing hardwood floors? Do you need to change your roof? Or are you dreaming about a new patio with a hot tub?

Think about the Accord D financing program; it's available with your Desjardins credit card and with it, you could get the money you need to carry out your plans6.

You could also take advantage of the financing plans available at select hardware stores or home improvement centres. Interest rates are among the lowest on the market and flexible payment schedules are available.

Contribute to your RRSP

Need cash to contribute to your RRSP this year?

With Accord D RRSP financing, you can get cash financing at an interest rate as good as that on an RRSP loan offered by your caisse to contribute to your RRSP.

With Desjardins, you can take advantage of a 6-month period to defer payment of the principal on your financing until you get your income tax refund (if you are eligible for such a refund).

Learn more Accord D RRSP financing