Desjardins Auto Loan: Your Path to Financing or Leasing Your Next Car

Desjardins Auto Loan brings comprehensive flexibility—from vehicle types and access channels to rate choices and payment control.

Desjardins Auto Loan (inclusive of car and leisure vehicle financing) aims to simplify the process for Canadians by providing clarity, flexibility, and reliable support, whether applying through a dealership, branch, or Desjardins agent.

This guide explains why financing with Desjardins makes sense, what borrowers should prepare beforehand, and how the application process works. With tools, multiple access channels, and tailored options, Desjardins helps Canadians drive away with confidence.

Why Consider Financing with Desjardins?

Financing through Desjardins offers distinct advantages:

• Vehicle variety – Finance cars, SUVs, leisure vehicles, RVs, boats, motorcycles, snowmobiles, trailers and more  
• Multiple access options – Apply at a dealership (min $7,500), at a caisse/branch, or through an agent (min $10,000)  
• Competitive interest & guaranteed rates – Fixed or variable rates; dealer financing rates are lower since the loan is secured by the vehicle. Agent rates start around 7.99%  
• Full prepayment freedom – Borrowers can prepay partially or fully at any time without penalties through the AccèsD portal  
• Flexible terms – Up to 20-year term for leisure vehicle loans; car terms depend on amount and type  
• Payment options – Choose weekly, biweekly or monthly auto-debit withdrawals 
• Member perks – Eligible for dividends and deposit account benefits  
• Support for new Canadians – Even without Canadian credit history or with temporary permits, eligibility may be available through dealers  
• Deal with financial difficulties – Borrowers can seek assistance, such as deferrals or restructuring, by contacting their caisse early  

What to Know Before You Apply

• Vehicle type & purchase channel – Buying from private seller? Use Auto+ Loan via caisse or branch. Buying at dealer? Choose dealership auto loan  
• Minimum loan amounts – $7,500 minimum at dealership; $10,000 minimum via branch/agent  
• Choose rate type – Fixed for predictability; variable may offer savings when rates fall, and can be switched without penalty  
• Understand term lengths – Terms depend on vehicle type: up to 20 years for leisure vehicles; shorter for standard auto loans  
• Payment frequency – Pick a payment schedule to fit cash flow: monthly, biweekly, or weekly  
• Prepayment is flexible – No penalties for early repayment at any time  
• Newcomer eligibility – With a valid work permit, newcomers may qualify even without credit history  
• Read FAQs and insurance options – Desjardins offers optional insurance during the loan, like loan insurance or roadside assistance  

How to Apply for an Auto Loan

Whether you’re buying at a dealership or privately, the process is straightforward:

1. Choose your vehicle and purchase channel – Dealer, caisse, or agent
2. Start application – Approval at a dealer is often in minutes; through caisse or agent, schedule via AccèsD or call  
3. Provide documentation – Include ID, proof of income/residency, vehicle details, and bank info for payments
4. Pick loan options – Select rate type (fixed/variable), term length, and payment frequency
5. Review and sign paperwork – Loan is funded directly to dealership or seller
6. Manage payments online – Use the AccèsD personal portal or app for payment, prepayment, and account monitoring 
7. Seek financial help if needed – If payments become a challenge, contact your case promptly  

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