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Lines of credit
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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
- 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)
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
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
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.
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.
