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Accord D Financing Conditions

The first monthly payment will be due at the next billing of the customer, according to the billing period of the Desjardins credit card account statement, with option of paying off the loan in part or in full with no prepayment penalties.

Deferred payment, no payments or interest for...

Subject to Fédération des caisses Desjardins du Québec ("the Federation") approval. All annual interest rates indicated are subject to change. The "Deferred payment, no payments or interest for..." offer allows the customer to use a credit card issued by the Federation ("the Card") to pay for a deferred payment purchase, without incurring interest during the period set at the time of purchase If this purchase is not paid in full by the due date, an annual interest rate of not more than 19.9% applies and it is converted into equal and consecutive payments due in 12 monthly instalments if the converted balance is less than $1,000; 24 monthly instalments if the converted balance is equal to or greater than $1,000 and less than $3,000; or in 36 monthly instalments if the converted balance is equal to or greater than $3,000. Annual interest rate on the card of not more than 19.9%. There is a 21-day, interest-free grace period on the card from the date the monthly statement is mailed or from the date it is made available in electronic format to settle the account without paying credit charges, except on cash advances and cheques. Minimum card payment is 5% of the total of: the balance shown on the account statement for the previous period; credit charges on purchases and monthly instalments that have not been paid on the due date for the current period; regular purchases, cash advances and cheques during the statement period and credit charges on cash advances and cheques. To which are added: monthly instalment(s) for the statement period, deferred payment purchases due on the statement date, past due amounts, and any other amount set out in the card contract. Membership/renewal fees may apply depending on the card requested or used for the purchase. See details in store.

Interest-free equal monthly payments

Subject to Fédération des caisses Desjardins du Québec ("the Federation") approval. All annual interest rates indicated are subject to change. The "Interest-free equal monthly payments" offer allows the customer to use a credit card issued by the Federation ("the Card") to pay for purchases through equal and consecutive monthly instalments with no interest. Equal monthly payments are included in the minimum payment due on the credit card. If the minimum payment due is not paid in full by the due date, the annual interest rate of not more than 19.9% on the card applies to the unpaid equal monthly instalment. There is a 21-day, interest-free grace period on the card from the date the monthly statement is mailed or from the date it is made available in electronic format to settle the account without paying credit charges, except on cash advances and cheques. Minimum card payment is 5% of the total of: the balance shown on the account statement for the previous period; credit charges on purchases and monthly instalments that have not been paid on the due date for the current period; regular purchases, cash advances and cheques during the statement period and credit charges on cash advances and cheques. To which are added: monthly instalment(s) for the statement period, deferred payment purchases due on the statement date, past due amounts, and any other amount set out in the card contract. Membership/renewal fees may apply depending on the card requested or used for the purchase. See details in store.

Equal monthly payments with interest

Subject to Fédération des caisses Desjardins du Québec approval. All annual interest rates indicated are subject to change. The "Equal Monthly Payments" offer allows the customer to use a credit card issued by the Federation ("the Card") to pay for purchases through equal and consecutive monthly instalments. The annual interest rate of not more than 19.9% set at the time of purchase applies to such purchases. Equal monthly payments are included in the minimum payment due on the credit card. If the minimum payment due is not paid in full by the due date, the annual interest rate of not more than 19.9% on the card applies to the unpaid equal monthly instalment. There is a 21-day, interest-free grace period on the card from the date the monthly statement is mailed or from the date it is made available in electronic format to settle the account without paying additional credit charges, except on cash advances and cheques. Minimum card payment is 5% of the total of: the balance shown on the account statement for the previous period; credit charges on purchases and monthly instalments that have not been paid on the due date for the current period; regular purchases, cash advances and cheques during the statement period and credit charges on cash advances and cheques. To which are added: monthly instalment(s) for the statement period, deferred payment purchases due on the statement date, past due amounts, and any other amount set out in the credit card contract. Membership/renewal fees may apply depending on the card requested or used for the purchase. See details in store.

Deferred equal instalment financing

Subject to Fédération des caisses Desjardins du Québec ("the Federation") approval. All annual nterest rates indicated are subject to change. The "deferred equal instalment financing" offer allows the customer to use a credit card issued by the Federation ("the Card") to pay for a purchase without incurring interest during the deferral period set at the time of purchase, and which becomes payable at the end of the deferral period through equal and consecutive payments due in monthly instalments set at the time of purchase. The annual interest rate of not more than 19.9% set at the time of purchase applies at the end of the deferral period. Equal monthly payments are included in the minimum payment due on the card. If the minimum payment due is not paid in full by the due date, the annual interest rate of not more than 19.9% on the card applies to the unpaid equal monthly instalment. There is a 21-day, interest-free grace period on the card from the date the monthly statement is mailed or from the date it is made available in electronic format to settle the account without paying credit charges, except on cash advances and cheques. Minimum card payment is 5% of the total of: the balance shown on the account statement for the previous period; credit charges on purchases and monthly instalments that have not been paid on the due date for the current period; regular purchases, cash advances and cheques during the statement period and credit charges on cash advances and cheques. To which are added: monthly instalment(s) for the statement period, deferred payment purchases due on the statement date, past due amounts, and any other amount set out in the card contract. Membership/renewal fees may apply depending on the card requested or used for the purchase. See details in store.