Rates - Auto and leisure vehicle loans

View the rates for our loans and other financing options available to you when buying a car, motorcycle or other recreational vehicle through a dealer or your caisse.

Current rates on April 25, 2019

Auto and leisure vehicle loans

Loans start at $5,000 and rates vary depending on:

  • term
  • type of vehicle
  • loan amount

Ask your dealer for the current rates.

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Desjardins Member Advantages

0.30% discount on your loan rate

Finance your vehicle with a Desjardins auto loan or leisure vehicle loan at an authorized dealer and get a 0.30% interest rate discount on your loan.

Green option for hybrid and electric cars

Get a reduced fixed rate as low as 4.2% note when you borrow $10,000 or more to buy a hybrid or electric car.

Auto+ Loan
Feature Term Interest rate
Secured (instalment contract - $12,501 or more) - Variable rate NA 6.84%
Secured (instalment contract - $12,501 to $14,999) - Fixed rate 1 to 5 years 6.99%
Secured (instalment contract - $15,000 or more) - Fixed rate 1 to 5 years 6.99%

Food for thought

Need to finance your new car or leisure vehicle?

Looking to finance a new or used car of more than $12,500?

Learn more about the Auto+ Loan

Other financing options available to buy a car or other vehicle


  1. Exclusive discount available for the entire term.
  2. Regular fixed rate before any other Desjardins member exclusive rate discount. Some conditions apply. Rate may vary depending on term, type of vehicle, loan amount and your credit rating.
  3. For purchases of new or used vehicles over $12,000 from an individual. Available at the caisse.
  4. In Ontario, the annual percentage rate (APR) is equal to the posted interest rate, assuming there are no additional charges applicable to the loan. Should there be such charges, the APR might be different. Does not apply to Accord D financing.
  5. These interest rates are recommended by the Fédération des caisses Desjardins du Québec to all its caisses. Auto dealerships and used car dealers offering Desjardins financing may offer a different rate.