Financing for cars and other vehicles

Planning to buy a car, motorcycle, trailer or boat? Explore our financing options1 and see what best fits your needs.

Buying a vehicle from an individual

Auto+ Loan at a caisse or branch

Eligible vehicles

Cars
Leisure or recreational vehicles

Minimum financing amount

$15,000

Financing secured by vehicle?

Yes, which means the interest rate is better than the rate for unsecured financing.

Personal loan

Eligible vehicles

Cars
Leisure or recreational vehicles

Minimum financing amount

$1,000

Financing secured by vehicle?

Personal Line of Credit

Eligible vehicles

Cars
Leisure or recreational vehicles

Minimum financing amount

No minimum amount required

Financing secured by vehicle?

Buying a vehicle at a dealership

Car loan at a dealership

Eligible vehicles

Cars

Minimum financing amount

$7,500

Financing secured by vehicle?

Yes, which means the interest rate is better than the rate for unsecured financing.

Leisure vehicle loan at a dealership

Eligible vehicles

Leisure or recreational vehicles

Minimum financing amount

$5,000 for a leisure vehicle
$10,000 for a boat or recreational vehicle

Financing secured by vehicle?

Yes, which means the interest rate is better than the rate for unsecured financing.

Find your borrowing solution

Have a project that'll cost at least $1,000? Use our tool on AccèsD to help you choose the financing that's right for you.

Manage your loan online

Are you a member? Our mobile and online services make it quick and easy to manage your loan or line of credit. Use them anytime, anywhere.

Not a member? Open an everyday account to manage your loan online and enjoy other member benefits.

Download our app

FAQ

How does a car or recreational vehicle loan work?

When you get a car or recreational vehicle loan, you borrow a set amount of money to buy a new or used vehicle. You can buy this vehicle from a dealer or an individual.

You can take out this loan directly at the dealership when you buy your vehicle, or at your caisse or branch if the dealership can’t lend you the amount you need or if you’re buying from an individual.

Can I have a co-borrower on my car or leisure vehicle loan?

Yes, you can. If you have a co-borrower, each of you is responsible for paying back the loan in full if the other fails to make payments.

Can I get a car loan if I just arrived in Canada?

Yes, new arrivals to Canada are eligible to apply for a car loan. Contact us to see if you’re eligible for our auto financing program for newcomers and to apply.

I want to buy a new vehicle, but I haven’t finished paying off my current loan. What can I do?

We recommend you visit a Desjardins-accredited dealer, who will take the balance of your current loan into account when you apply for the new loan.

See all questions about loans and lines of credit

Protect your purchase with insurance

Car insurance

RV insurance

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Some conditions, exclusions and limitations apply. Rates may vary depending on type of vehicle, loan amount and term, and your credit score. Rates and promotions may change at any time without notice. Subject to credit approval by the Fédération des caisses Desjardins du Québec.