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Desjardins Loans of february 2023

Get a Desjardins loan verified by our specialists. On 08.02.2023 there are 14 options available to you. Increase your chances of getting a loan — fill out an application with a free credit rating check.

Offers: 14

Updated
05.01.2023
17:23
Government Guaranteed Student Loan
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Student Strategic Line of Credit
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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650
1000
Rate
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Effective interest rate on the product

6.2% - 7.45%
Term
i

Loan term for the financial product

up to 10 years after graduating
Investor Strategic Line of Credit
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
starting at $25,000
Get Your FREE Quote Today!
Get Your FREE Quote Today!

Take advantage of our loan selection system with a free credit check!

Student Advantage Line of Credit
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
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Effective interest rate on the product

7.45%
Term
i

Loan term for the financial product

up to 10 years after graduating
Versatile Line of Credit
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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300
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1000
Personal Line of Credit
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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650
1000
Accord D RRSP financing
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500 - $50,000
Rate
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Effective interest rate on the product

6.44% - 6.80%
Term
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Loan term for the financial product

1-10 years
RRSP Loan
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

6.44% - 7.09%,
Term
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Loan term for the financial product

up to 10 years
Auto+ Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
starting at $12,500
Term
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Loan term for the financial product

6 months - 20 years
Accord D financing - Auto Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500 - $50,000
Term
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Loan term for the financial product

6 months - 10 years

Desjardins loans calculator

Calculation of a loan from any bank
Loan amount
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Specify the desired loan amount

CAD
CAD
USD
1000 C$
50000 C$
Loan term
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Specify the loan term for the calculation

months
days
1
120
Interest rate
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Choose the interest rate on the loan

1 %
50 %

Online loan application

Loan amount
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1000 C$
50000 C$
Loan term
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1
120
Online loan application
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Loan amount
0 C$
Loan term
0 months
Loan comission
700 C$
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Other types of loans

How to get a loan at Desjardins?

1. Fill out an application
1. Fill out an application

On our website you can fill out a short application form for a loan.

2. Pass a credit check
2. Pass a credit check

We will offer you to check your credit rating online for free.

3. Send your application online to the suggested companies
3. Send your application online to the suggested companies

After checking your credit rating, you will be able to send the loan application to the appropriate companies.

4. Wait for a response from the lender
4. Wait for a response from the lender

If necessary, the lender will contact you to clarify the details.

5. Get your loan!
5. Get your loan!

Get the money to your bank account or in cash at the bank branch.

Apply for a loan Your data is securely protected

GoDay
1.6
JUDGEV
JUDGEV
26.05.2022 at 15:46
the application is easy and takes less then 5 mins to fill out. but the funding time is quite long. if looking for instant funding then its not here...
Review
Desjardins Loans of february 2023

Types of Desjardins loans

Desjardins offers a range of lending solutions for different borrowing needs.

  1. Personal loans. With Desjardins personal loans, you can get financing for any of your needs.
    • If you need $50,000 or less and are looking for a fixed rate, you can apply for Accord D financing at your caisse and receive funds in minutes. You can take from 6 months to 10 years to repay your loan. Accord D financing is also available in stores.
    • Alternatively, you can apply for a Desjardins Personal Loan and get financing at either a fixed or variable rate. The borrowing amount is subject to credit approval, and repayment terms are flexible — you can pay weekly, bi-weekly, or monthly.
  2. Auto loans. You can get a Desjardins auto loan through a dealership or at your caisse. Loans available through dealers start from $5,000. When applying for an Auto+ loan at a caisse, you can get financing of more than $12,500. Auto loans are available at fixed and variable rates, ranging from 6 months to 20 years.
  3. RRSP loans. To help clients optimize their RRSP contributions, Desjardins offers RRSP loans and Accord D RRSP financing.
    • With an RRSP loan, you can get financing at either a fixed or variable rate for a term of 1 to 10 years and repay it on a weekly, bi-weekly, or monthly basis. The rates for this loan range from 5.79% to 7.04%, depending on the term.
    • With Accord D RRSP financing, you can borrow from $500 to $50,000 a term of 1 to 10 years and repay your loan on a weekly, bi-weekly, or monthly basis. The rates for this loan range from 5.79% to 7.04%, depending on the term.
  4. Lines of credit. Lines of credit from Desjardins provide access to a pre-approved financing amount you can use whenever you need it. Once you repay your outstanding balance, you don’t have to re-apply for a line of credit if you need funds again.
    • Personal Line of Credit provides access to financing based on your need and financial situation at variable interest rates ranging from 11.45% to 11.95%, depending on the borrowing amount. The repayment terms are flexible, and you can pay off your balance in full at any time, penalty-free.
    • Versatile Line of Credit allows you to borrow up to 65% of your home's value.
    • Investor Strategic Line of Credit. With this line of credit, you can get $25,000 or more financing and repay it on a schedule that works best for you — weekly, bi-weekly, or monthly. In addition, the early payoff is penalty-free. For information about rates, contact Desjardins advisors. Investor Strategic Lines of Credit are good for investors with a high risk-tolerance level and long-term investment horizon. The minimum amount to borrow with this line of credit is $25,000, with no collateral required in most cases. For information about rates, contact Desjardins advisors.
  5. Student financing.
    • For students who don’t qualify for government loans or who don’t receive sufficient aid, there is a Student Advantage Line of Credit at Desjardins. This line of credit provides access to financing based on your need and financial situation. You can pay only interest on the borrowed amount at a 6.45% interest rate. The rate is valid throughout your full-time studies. After graduating, you can take up to 10 years to repay your debt.
    • Student Strategic Line of Credit is another financing option for students to get a pre-approved amount based on their field of study. The rates for this line of credit range from 5.2% to 6.45%. During your studies, you can pay only interest on the borrowed amount. After graduating, you can take up to 10 years to repay your debt.

How to apply for a Desjardins loan?

AccèsD Internet users can apply for Accord D financing, Desjardins personal loans, auto loans, and Accord D RRSP financing online.

To apply for other Desjardin financing solutions, both AccèsD Internet users and those who are not Desjardin members or clients yet can visit a caisse in person or book an appointment with a Desjardin advisor by phone at 514-CAISSES (514-224-7737) if you are in Montreal and at 1-800-CAISSES (1-800-224-7737) if you are elsewhere in Canada or the U.S.

Requirements 

  • To qualify for a Desjardins Auto Loan or a strategic investor line of credit, you must be a Quebec resident.
  • To qualify for student financing options, you must be a Canadian citizen or permanent resident of Quebec or Ontario.
  • For other financing options, Desjardins doesn’t provide specific eligibility requirements on the website.
  • To apply for Accord D financing and Accord D RRSP financing, you must have a Desjardins credit card. In addition, applying for Accord D RRSP financing requires you to have a Desjardins Regular Savings Account RRSP as well.

Pros and cons

The advantages of Desjardins loans are:

  • A variety of lending solutions for different borrowing needs
  • Flexible repayment terms
  • The availability of auto loans both through dealerships and at a caisse

The disadvantages are:

  • The lack of online application for those who don’t have an AccèsD account
  • The availability of select financing solutions for Quebec residents only

How to make a payment?

Loan payments can be in the form of pre-authorized debits from your account, which you set up through AccèsD. You can also make a loan payment by transferring funds from your Desjardins account to your loan through online, mobile, or telephone banking. Or, you can make a payment in person at a caisse.

FAQ

What will be my interest rate with a personal loan?

To get an idea of personal loan interest rates, use the online rate calculator on the Desjardins website. To calculate the rate, specify the borrowing amount, interest rate type, and repayment period.

How much can I borrow with a Desjardins Versatile Line of Credit?

A Versatile Line of Credit allows you to borrow up to 65% of your home's value. But, you need to ensure that the total balance on your line of credit and your other financial obligations like a car loan, an RRSP loan, or credit card balance don’t exceed 80% of the determined value of your home.

Which lending solutions can bring me potential member dividends?

Such financing options as a personal line of credit and Auto+ loan are eligible for potential member dividends.