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Desjardins Personal Loan

To finance a personal project

To buy furniture, renovate your home, purchase a computer, contribute to your RRSP, etc.

  • Finance big projects (over $12,500).
  • Make payments daily, every 2 weeks or monthly.
  • Payments can with withdrawn automatically from your account.

Interest rate

Fixed or variable rate based on the loan amount and term.

See Should I get a fixed or variable interest rate?

Amount available

  • Recommended for amounts over $12,500
  • Amount granted is determined by:
    • your financial capacity
    • the amount of financing required
    • on the useful life of the financed product

How much can I borrow?

Repayment

  • Frequencies: weekly, every 2 weeks or monthly.
  • Payments can be withdrawn automatically from your account.
  • No prepayment penalties: pay off your loan whenever you want, in part or in full, without being charged extra fees.

What are the payments on a personal loan?

Loan term

Your caisse may agree to longer term depending on your use of the loan (e.g., your unused RRSP contribution room) and, in some cases, on the collateral provided.

Other

Get a paper or online monthly statement of account.

Profile

Suggestion

You are cautious and sensitive to rate fluctuations

Choose a fixed interest rate:

  • Guaranteed for the duration of the term.
  • Predictable.
  • Easy to manage.
  • Convertible to a variable-rate loan at any time without fee or penalty.

You are daring and moderately sensitive to rate fluctuations

Choose a variable interest rate:

  • Follows market fluctuations.
  • Advantageous when rates are stable or falling.
  • Generally lower interest rate than the current fixed rate.
  • When rates drop, your payment amount remains the same but the duration of the loan may decrease.
  • Convertible to a fixed-rate loan at any time without fee or penalty. The interest rate will be the current fixed rate at the time of conversion.

Did you know?
When you take out loan insurance, the insurer repays the insured portion of your loan in the event of death. In the event of disability, Loan Insurance helps you meet your financial obligations by repaying the insured portion of your loan on your behalf.

Learn more about Loan Insurance.

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