Pay in installments

Pay in installments

Thanks to a new option on your Desjardins Visa* credit card, you can now pay for purchases of $200 or more in equal, interest-free monthly installments at participating merchants.

Pay for your purchase in smaller equal payments

Paying in installments is an option available at participating merchants that lets you pay for your purchase over time through a monthly installment plan.

  • Interest-free**

  • Purchases of $200 or more

  • Equal monthly payments

  • 3- to 48-month installment plans

** If you make your minimum credit card payment on time

How it works

You must have a sufficient Accord D credit limit to be able to pay in installments with your Desjardins Visa credit card.

When you make a purchase of $200 or more, you can choose an installment plan from the available options. Merchants can offer terms of 3, 6, 12, 18, 24, 36 or 48 months. Each installment is a monthly payment added to the minimum payment due on your credit card statement. If you don't want to pay in installments, you can pay for the purchase in full as usual.

Some useful information


You won't be charged any interest on your installment payments if you pay the minimum amount by the due date on your credit card statement. Otherwise, your card's interest rate will apply to the monthly payment.

Removing the option

You can remove the option to pay in installments from your card without penalty by calling the number on the back of your Desjardins Visa credit card.

No BONUSDOLLARS or cash back

You won't earn any BONUSDOLLARS® or cash back when you pay in installments. You can't use BONUSDOLLARS to pay your installments.

How to pay in installments at a participating merchant

  • Have a Desjardins Visa credit card
  • Have an Accord D credit limit with enough funds available
  • Pay with your Desjardins Visa credit card
  • Choose an installment plan and read and agree to the terms and conditions

Before using Pay in installments

To use the Pay in installments option, you must have an Accord D limit. Accord D financing is available on your Desjardins credit card as a second credit limit.

If you have enough left on your Accord D limit to cover the cost of your purchases, you can pay in installments now. You can find your limit under Authorized Accord D financing credit limit on your credit card statement or on AccèsD.

Where to find your Accord D credit limit on AccèsD

  1. Log in to your AccèsD account.

  2. Select your credit card.

  3. Select Information.

  4. You’ll find your limit under Accord D financing credit limit.

Log in to your AccèsD account

If you don’t have an Accord D credit limit or if your limit isn’t high enough, you can apply for one or for a limit increase online or by phone.

How to apply on AccèsD Internet

You need to use your Web browser to apply online. This feature isn’t available on the mobile app.

  1. Log in to AccèsD Internet.

  2. Click your credit card.

  3. Click Manage card.

  4. Click Manage account.

  5. Under Accord D financing, click either Apply for financing or Increase Accord D credit limit.

  6. Follow the steps to submit your application for an Accord D credit limit or a limit increase.

Log in to your AccèsD account

Apply by phone

Montreal area:

Manage your installment plans wisely

Select a payment plan based on your ability to pay the installments.

Pay your monthly installments by the due date indicated on your statement to avoid paying interest.

Make the minimum payment on your credit card balance each month.

Food for thought

Frequently asked questions

* Visa Int./Fédération des caisses Desjardins du Québec, licensed user.

® BONUSDOLLARS is a registered trademark of the Fédération des caisses Desjardins du Québec.

® Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

  1. Each installment must be paid in full each month. It will be added to your minimum amount due. If your minimum credit card payment isn't made on time, your card's interest rate will apply to the monthly payment.
  2. Certain conditions apply. Subject to credit assessment and approval.