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 > Personal loans > Accord D financing

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.

Accord D financing


Quick and flexible financing for projects you care about

  • Second credit limit on your Desjardins credit card
  • Does not affect your current credit limit
  • Carries a different interest rate
  • Available online, over the phone, at your caisse or in stores


Exclusive Member Advantages

The cash advance is automatically deposited into your caisse account1.

Quick facts

  • Interest rate: fixed rate between 11.00% and 16.25% based on loan amount, credit history and term
  • Terms: 6 months to 5 years
  • Payment schedule: monthly (according to the billing period of the Desjardins credit card account statement) with option of paying off your loan in part or in full with no prepayment penalties.


Interest rate

Fixed rate between 11.00% and 16.25% based on financing amount, credit history and term

See current rates

Amount available
  • Amounts up to $50,000 may also be available to you.
  • Available on your Desjardins card without affecting your current credit limit.
  • Payments in equal monthly instalments, included in the minimum amount due on your credit card.
  • No prepayment penalties: pay off your loan whenever you want, in part or in full, without being charged extra fees.

6 months to 5 years based on amount requested

Access to funds
  • Apply for financing on AccèsD Internet 24/7, by phone at 1-800-CAISSES or at your caisse.
  • Application processed in a few minutes2 whether or not you are a Desjardins credit cardholder.
  • Financing is deposited automatically in your Personal Chequing Account (PCA) at the caisse.
Possible uses
  • Renovate your home
  • Take a vacation
  • Accessorize and maintain your car
  • Purchase household appliances, furniture, electronics and sporting goods
  • Pay for dental care
  • Install a swimming pool
  • Pay unexpected expenses
  • Contribute to your RRSP
  • Buy a used car

Compare the personal loan with Accord D Financing

What are the payments on financing? - This link will open in a new window.

Exclusive Advantage For Members

Cash advances

Accord D financing cash advances are automatically deposited to your caisse account, and:

  • can help you carry out a project or deal with an unexpected expense
  • come with complimentary life insurance
  • are available 24 days a day, 7 days a week, 365 days a year on AccèsD
  • are also available by phone at 1-800-CAISSES or in person at the caisse

See all member advantages for individuals - Financial products and services.

Financing is made in-store at the time of purchase.

Quick facts

  • Interest rate: 0% financing plan available at certain participating retailers4
  • Terms: determined by the retailer
  • Payment schedule: different flexible payment options offered by participating retailers


Interest rate

Determined by the retailer

  • Make loan payments at an ATM, online via AccèsD Internet, by phone at 1-800-CAISSES, by authorized payment, by mail or at your caisse.
  • Different flexible payment options offered by participating retailers (buy now and pay later, equal monthly instalments, buy now and make monthly payments at a later date, etc.).

See the repayment terms


Determined by the retailer

See Types of Accord D in-store financing plans.

Access to funds
  • Complete an application in just a few minutes with your sales representative at the store.
  • Amount is automatically available on your Desjardins credit card.
Possible uses
  • Purchase household appliances
  • Accessorize and maintain your car
  • Purchase furniture, electronics and sporting goods
  • Buy renovation materials
  • Pay for dental care
  • Install a swimming pool

Participating retailers

More than 10,000 retailers offer the Accord D financing program everywhere in Canada.

To find out which retailers offer the Accord D financing program in your area, select:

  • your province of residence (province and region if you reside in Quebec)
  • a sales category

Then click on the Search button.

Find a participating retailer - This link will open in a new window.

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

Compare Accord D financing with personal loan

Comparison table
  Personal loan Accord D financing
Main purposes of the loan
  • Furniture
  • Consolidation of debts
  • Legal fees
  • Income tax
  • Computers
  • Annual RRSP contribution
  • Unused RRSP contribution room
  • Repairs/renovations
  • Health care
  • Car and recreational vehicle (without instalment sales contract) and car repairs
  • Traveling
Excluded: investments, car and recreational vehicle with instalment sales contract and government guaranteed student loans
  • Furniture and appliances
  • Automobile
  • Consolidation of debts
  • Computer and electronic equipment
  • Legal fees
  • RRSP investment
  • Renovations
  • Health care
  • Taxes/Income tax
  • Traveling
  • Other expenses
Minimum amount $12,501 $500
Maximum amount No limit $50,000
Terms 1 to 5 years 6 months, 1, 1.5, 2, 3, 4 or 5 years
Rate Fixed or variable rate based on amount and term (personal loan rate) Fixed rate based on amount, credit history and payment period (same rate as Accord D financing)
Frequency of payments
  • Weekly
  • Every 2 weeks
  • Monthly
  • Monthly (according to the billing period of the Accord D financing account statement)
Prepayment in whole or in part At any time, without penalty, by contacting:
  • your caisse
  • AccèsD Telephone (takes 48 hours)
At any time without penalty:
  • at your caisse
  • at an ATM
  • at Desjardins Card Services (24/7)
  • on AccèsD Internet
  • via AccèsD Telephone
Methods of payment Principal and interest Principal and interest
Insurance Optional
  • Life insurance or life and disability insurance coverage
  • Premium based on age, gender and borrowed amount
Life insurance - This link will open in a new window. coverage automatically included with no additional fees (for the primary cardholder only).
Member dividend Eligible (according to the caisse's Annual General Meeting decision) Eligible (according to the caisse's Annual General Meeting decision)
  • No BONUSDOLLARS accumulated
  • Principal payment possible
  • No BONUSDOLLARS accumulated when you get Accord D financing
  • No principal payment possible
Distribution network
  • Caisse
  • AccèsD Telephone
  • AccèsD Internet (form)
  • Caisse
  • AccèsD Telephone
  • AccèsD Internet
Application processing time Response given after an advisor's analysis of the file. Response within a few minutes
Other specifications  
  • Accessible 24/7 via AccèsD Internet.
  • Automatic deposit into the member's chequing account.
  • Borrowed principal is available again as Accord D financing is paid. (Certain conditions apply.)

Documents to bring to your meeting with an advisor

  • Proof of income (pay stub, etc.)
  • Investment statements
  • Other loan statements (including consolidated loans)
  • Tax bills or leases
  1. Subject to Fédération des caisses Desjardins du Québec credit approval. Available at participating caisses only. You must be a Desjardins caisse member.
  2. During business hours of the Desjardins Card Services credit department.
  3. Insurance coverages are underwritten by Desjardins Financial Security Life Assurance Company. Certain conditions and restrictions apply.
  4. Certain conditions apply (details in store).
  5. During Desjardins Card Services credit department business hours.
  6. Subject to approval by the Desjardins Card Services credit department.