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Auto+ Loan at a caisse or branch

The Auto+ Loan at a caisse or branch is a good option if you want to buy a car, motorcycle, snowmobile, trailer or motorhome from an individual. Book an appointment on AccèsD to apply if you’re a member.

Not a member? Schedule a call to book an appointment.


Eligible vehicles

  • Cars
  • Vans
  • SUVs
  • Motorcycles
  • Snowmobiles
  • Personal watercrafts
  • All-terrain vehicles
  • Boats
  • Trailers
  • Tent-trailers
  • Fifth wheel RVs
  • Motorhomes

Amount available

  • $12,500 minimum
  • Option of financing up to 100% of the cost of your purchase

Interest rate

Fixed or variable rate based on loan amount

Fixed rate

Choose a fixed interest rate if you’re cautious and sensitive to rate fluctuations. A fixed rate is:

  • Guaranteed for the duration of the term
  • Predictable
  • Easy to manage

You can switch to a variable rate loan at any time without fee or penalty.

Variable rate

Choose a variable interest rate if you’re daring and moderately sensitive to rate fluctuations. A variable rate:

  • Follows market fluctuations
  • Is advantageous when rates are stable or falling
  • Is generally lower than the current fixed rate

When rates drop, your payment amount remains the same but the duration of the loan may decrease.

You can switch 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.


From 6 months to 20 years, depending on the loan amount and vehicle type

Payment frequency

You can pay:

  • Every month
  • Every 2 weeks
  • Every week

Payments are withdrawn automatically from your account.


You can prepay in part or in full, at any time, without penalty. Log in to AccèsD, then select your Auto Loan account. Select Prepayment to make a prepayment.

Member dividends

This product is eligible for Desjardins member dividends.

Loan Insurance

When you take out Loan Insurance, the insurer repays the loan amount in the event of death. In the event of disability, the insurer repays the insured portion of your payments. If the unexpected strikes, it ensures your financial obligations are covered.

Book an appoint­ment for your Auto Loan

On AccèsD

Book an appointment on AccèsD if you're a member, and meet with an advisor online, in person or over the phone.