Choose province (Canada) or state (United States), and language

Online services – AccèsD, AccèsD Affaires, online brokerage, full service brokerage.

Log on to Desjardins online services.

You are here: Home > Personal > Cards, loans and credit > Lines of credit

Your browser is configured to not accept cookies. Some features of the site are not available or will not work correctly without cookies. Also, some information presented might not apply to your situation.
See How to enable cookies

Your browser is not supported by our website. Some features of the site are not available or will not work correctly.
See the procedure to update your browser.

Microsoft Edge causes problems on AccèsD. To fix the issue, please install the most recent Windows update.

Lines of credit


Visa Modulo Gold card

Visa Modulo Gold card
Learn more >


Desjardins can be a very important ally when it comes to realizing your dreams. Whether it's travel, renovations or investments, Desjardins has a flexible and economic solution for all your financial needs: a Desjardins line of credit.

  • Minimum $5,000
  • Variable interest rate, based on the amount borrowed
  • Daily, weekly or monthly payments

For borrowers who:

  • want to pay for emergency purchases and everyday or unexpected expenses
  • manage their credit well
  • can withstand interest rate fluctuations

Learn more - Personal Line of Credit

  • Line of credit with a mortgage guarantee
  • Minimum $25,000
  • Variable interest rate based on prime rate
  • Daily, weekly or monthly payments

For building owners who:

  • occupy a residential property of 4 units or less
  • want to use the net worth of their property to get credit

Learn more - Versatile Line of Credit - A home equity line of credit

For borrowers who have:

  • excess cash flow
  • few financial obligations
  • a high risk tolerance
  • a good understanding of the power of leveraging (borrowing to invest)

Learn more - Investor STRATEGIC Line of Credit

Student lines of credit

  • Attractive interest rate during your studies
  • Pay only the interest on the principal during your studies (full-time students)

Exclusively for students:

  • full-time and part-time
  • vocational school, CEGEP, college or university
  • no age limit

Learn more - Student Advantage Line of Credit

Exclusively for full-time Quebec university students in one of the following programs:

  • Accounting
  • Actuarial studies
  • Audiology
  • Chiropractic
  • Dentistry
  • Engineering
  • Law
  • MBA and MSc in Administration and Management
  • Medicine
  • Midwifery
  • Nursing
  • Occupational therapy
  • Optometry
  • Pharmacology
  • Pharmacy
  • Physiotherapy
  • Podiatry
  • Psychology
  • Speech therapy
  • Veterinary medicine

Learn more - Student STRATEGIC Line of Credit

Documents to bring

Documents to bring to your meeting with an advisor

  • Proof of income (pay stub, etc.)
  • Investment statements
  • Other loan statements (including loans to be consolidated)
  • Tax bills or leases

And for the Student Advantage and STRATEGIC Line of Credit only:

  • Attestation of enrolment in a program of study and most recent transcript

Make an appointment with an advisor at a caisse.

Did you know?
To keep your line of credit from becoming a source of problems for you and your loved ones in the case of death or disability, sign up for Line of Credit Insurance.