- Rate
- Quoted when you apply
- Amount
- From $1,000
- Term
- Revolving
- Annual fee
- Check terms
Borrower-specific quote required. No advertised minimum is a likely personal rate.
Loans
Desjardins · Personal Line of Credit
Prime rate today: 4.7% Banks rarely publish personal loan rates. Their variable rates are prime plus a margin set when you’re approved, so your quote depends on your credit, income and the term. Source: RBC
What Desjardins publishes
- Rate type
- Conflicting evidence
- Early repayment
- Repay principal at any time without penalty; monthly interest payments requiredOfficial Desjardins personal line of credit page
- Interest calculation
- Daily used balance; interest charged monthly
- Application channel
- Members online/mobile; other applicants advisor
Ask the lender before you sign
Desjardins doesn’t publish these details online. They are set in your loan offer, so ask for them in writing and compare the APR, not just the interest rate.
- Published interest rate
- Published APR
- Mandatory fees
- Annual fee
- Collateral
- Payment frequency
- Province availability
- Applicant conditions
- Cosigner
- Credit inquiry
- Funding
Official sources and verification
- Official evidence · checked 2026-11-03
Page feature section says variable; comparison table says fixed. Rate-type conflict retained for reconciliation.
Pricing observations expire after seven days; product/fee/identity observations after 30 days. Verification is manual.
Every fact above comes from Desjardins’s own website. We don’t estimate a total cost from a marketed minimum or a fee we haven’t seen.
Estimate payments with your own rate and term
WalletReturn compares information and hypothetical costs. No application, identity collection or credit check takes place here. Lender approval, current contract terms and province eligibility must be confirmed with the lender.