You want to pay later... We can offer you several types of financing.
Financing for individuals
With Accord D, there are two types of financing: a first allows you to defer the payment and the second gives you the opportunity to have equal payments over a given period. The most popular formula with Accord D is the equal monthly payments plan at a fixed rate of 13.50% interest.
If you already have a VISA Desjardins card with an active Accord D agreement, the financing is as easy to process as a regular transaction. If you do not have a Visa Desjardins card, the credit application form takes five minutes to complete and twenty minute to be approved by Visa Desjardins.
Note: The Accord D credit limit is independent of your current credit limit on your VISA Desjardins card.
This type of financing is closer to a "lease" and is specifically designed for self-employed and businesses. It has many benefits including:
Conserve your capital
Preserve your lines of credit without affecting your borrowing power.
Offers low monthly payments
Simplifies your accounting
The monthly payment may be tax deductible and treated as an operating expense instead of a debt on your balance sheet
In addition, the tax benefits of such an approach can be very interesting. Consult your accountant for details...