Topic: Personal finance 8 truths and misconceptions about debt
Loans and credit
Explore our loans and lines of credit to see what best fits your needs.
What borrowing solution are you looking for?
Loans
Get a loan for any goal you have in mind. Pay it back in fixed payments over a set period.
Lines of credit
Cross off items on your to-do list by borrowing a set amount. You can even reborrow any amount you’ve paid back.
Auto and other vehicle financing
Find the right solution for your next auto purchase, whether it’s from a dealer or an individual.
Find a borrowing solution
Have a project that'll cost at least $1,000? Use our tool on AccèsD to help you choose the right borrowing solution.
Financing for your projects
Read more about our products to see how they can fit your needs.
Expenses and personal goals
Personal loans
Get a loan for any goal you have in mind. Pay it back in fixed and easy-to-manage payments.
Personal Line of Credit
Get a set amount to use for your expenses big and small.
Accord D financing
Get financing that you pay back in equal installments. These get added to the minimum payment on your Desjardins credit card.
A loan to help you through the adoption or assisted reproduction process
Get financial support to cover international adoption or medically assisted reproduction expenses.
Car purchase
Car loan at a dealership
Get a loan on the spot when you buy your vehicle at a participating dealership.
Leisure vehicle loan at a dealership
Get a loan on the spot when you buy your leisure vehicle at a participating dealership.
Auto+ Loan at a caisse or branch
Apply for a loan to buy a car, motorcycle, snowmobile, trailer or motorhome from an individual.
Auto loan with an agent
Learn more about financing options for your car or RV by contacting a Desjardins Agent.
Education
Government-guaranteed student loan
Take out a loan and get financial aid from the government during your vocational, CEGEP or university studies.
Student Advantage Line of Credit
Apply for a line of credit to help you pay your tuition and living expenses during your vocational, CEGEP or university studies.
Student Strategic Line of Credit
Apply for a line of credit to help you pay your university tuition and living expenses if you’re in specific fields of study.
Investing
FHSA loan
Take out a loan to maximize your FHSA (first home savings account) contributions. Pay it back in fixed payments or as a one-time payment at maturity.
RRSP loan
Take out a loan to contribute to your RRSP (registered retirement savings plan). Pay it back in fixed payments or as a one-time payment at maturity.
Accord D RRSP financing
Take out a loan to make contributions to your RRSP (registered retirement savings plan). Pay it back in equal payments added to the minimum payment on your Desjardins credit card.
Investor Strategic Line of Credit
Use leveraging to generate after-tax income that’s greater than your after-tax loan interest.
Home renovations
Versatile Line of Credit
See how you can use some of the equity in your home to renovate.
Mortgages
Finance the purchase of your home with a mortgage that you pay back over many years.
Manage your loan online
Our mobile and online services make it quick and easy to manage your loan or line of credit. Use them anytime, anywhere.
Download our app
What is the difference between a personal loan and a Personal Line of Credit?
With a personal loan, you get a set amount to carry out a specific project. It’s a good option if you want to pay off your loan in fixed payments over a specific time period.
With a Personal Line of Credit, you get a set amount that you can use independently, however and whenever you wish. You can also reborrow some or all of this amount once you’ve paid it back. If you choose this option, make sure you can manage your loan responsibly. You must be able to pay more than the interest each month and to repay any amount used as soon as possible.
Contact us
By phone
Montreal area:
514-224-7737 This link opens your phone app. (514-CAISSES)
Elsewhere in Canada:
1-800-224-7737 This link opens your phone app. (1-800-CAISSES)
We can also call you when it's convenient.
Tips on borrowing responsibly
- Topic: Loans and borrowing How to manage and repay debt
