Financing Options
We’ve partnered with Flexiti to help turn your big in-store purchases into small payments. Flexiti is a Canadian fintech company that offers financing solutions through the FlexitiCard, which simplifies financing purchases. The approval process is quick, the financing plans are flexible, and customers can use their FlexitiCard at any retailer in the Flexiti Network.
Why Finance with Flexiti:
Purchase and defer your payments up to 12 months with 0% interest*. Unlike traditional financing methods, you don’t have to reapply once you're approved! Use your FlexitiCard to make purchases again and again, up to your approved credit limit.
How it works
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Choose Flexiti at checkout (in-store only) to instantly finance your purchase.
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We know it’s good to have options.
Pick the financing plan and term that suits your budget.
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You can use your FlexitiCard again and again, without reapplying! It is accepted at thousands of retail locations within the Flexiti Network™.
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The flexible way to pay™
Deferred payment - interest accrues, no payments*
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Equal Monthly Payments – low, regular and no interest*
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Deferred payment - interest accrues, no payments*
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Regular credit purchase*
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You can break up your entire purchase (including tax, applicable fees, and optional insurance premiums) into equal monthly payments over the course of your term.
Plan terms range from X – X.
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Defer your entire purchase (including tax, applicable fees, and optional insurance premiums) and pay in full at the end of your term.
Only annual fees (if applicable) will be charged upfront. Plan terms range from X – X.
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It’s perfect for small purchases too!
Use your FlexitiCard just like a regular credit card.
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Flexiti Fees
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Admin Fee
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Annual Fee
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- A transactional fee that’s charged when you finance a purchase.
- Admin fees range from X – X depending on your term length and may be expressed as a monthly or annual amount.
- Admin fees are included in your total purchase amount (not applicable to Quebec residents).
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- A $39.99 annual fee ($24.99 for residents outside of Quebec), if applicable, is charged to your monthly statement following your first transaction and, if there is an outstanding balance on your account, on each anniversary date of your first purchase transaction.
- Your first annual fee is due on your first statement.
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The Flexiti Network
The FlexitiCard is accepted at thousands of Canadian retail locations, in-store and online! Shop for electronics, furniture, appliances, jewellery, fitness equipment, auto parts and more.
Introducing the Flexiti Wave Card™!
While not all Flexiti cardholders are eligible for no-interest financing plans, Flexiti offers alternative financing options with the Flexiti Wave Card.
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Equal monthly payments - 19.99% or 29.99% interest**
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Regular credit purchase**
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You can break up your entire purchase (including tax, applicable fees, and optional insurance premiums) into equal monthly payments over the course of your term.
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You can use your Flexiti Wave Card just like a regular credit card.
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Introducing the Flexiti Simply Secure™
Did you know? Secure is an insurance program that offers payment protection coverage to Flexiti cardholders in the event of certain unforeseen circumstances.
Learn more about Flexiti Simply Secure™ on www.flexiti.com.
FAQs
How do I apply for Flexiti?
Visit us in-store to access Flexiti’s quick and easy online application. It only takes minutes to complete!
How do I pay with Flexiti?
Shop in-store and chat with a sales representative to apply or make purchases using your Flexiti account via our merchant app. Select your financing plan and complete your purchase. It’s that easy!
How do I manage my account?
All you have to do is register your account online at my.flexiti.com! Once you’re registered, you’ll be able to see all your account details, such as your credit limit, outstanding balance, statements, financing plan details, and more.
How do I make payments?
Making payments is as easy as using your bank’s online bill payment system – add Flexiti (Flexiti Financial) as a payee! You can also send a cheque to the address below – include your account number on the cheque to avoid delays:
Flexiti Financial Inc.
Attention: Account Services – Payment Processing
P.O. Box 340, Orangeville, ON, L9W 2Z7
How do I contact Flexiti?
Call 1-877-259-3745 or email service@flexiti.com.
Where can I use the FlexitiCard?
The FlexitiCard is accepted at thousands of retail locations, in-store and online. Check out the Flexiti Network to see everywhere you can use your card at flexiti.com/network.
What is a Flexiti Wave Card, and how is it different from a FlexitiCard?
Cardholders who are approved for a Flexiti Wave Card are not eligible for no-interest financing but may use their Flexiti Wave Card for regular credit purchases and for equal monthly payment promotions that include interest at select merchants.
While the Flexiti Wave Card and FlexitiCard are distinct and offer different financing options, both provide flexible options through an extensive merchant network. To learn more about the Flexiti Wave Card, visit flexiti.com/wave-card.
Where can I use the Flexiti Wave Card?
The Flexiti Wave Card is accepted at thousands of retail locations, in-store and online. Explore where you can shop at
flexiti.com/wave-card.
*O.A.C. On your FlexitiCard. Minimum product purchase of $XXX (excluding/including taxes) is required. No interest equal monthly payment plans: no interest will accrue during the promo period. The purchase amount is to be paid in equal monthly payments, plus payment protection insurance premiums and taxes, if applicable. If any payment is missed, all promo offers on the account may be cancelled, and upon cancellation, interest will be calculated at the cardholder agreement annual interest rate (Account AIR). Interest-bearing equal monthly payment plans: the annual promotional interest rate for the promo term will be disclosed before the transaction is completed. Purchase amount is to be paid in equal monthly payments of principal and interest, plus payment protection insurance premiums and taxes, if applicable. If any payment is missed, all promo offers on the account may be cancelled, and upon cancellation, interest will be calculated at the Account AIR. No payment deferred plans are not available for Quebec residents. Minimum monthly payment deferred plans: the greater of 5% of the outstanding balance (excluding equal monthly payments) plus payment protection insurance premiums and taxes, if applicable, or $10, is due each month. Interest on the Account AIR accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date or if the promo is cancelled due to payment default on the account. Regular Credit Purchases: An interest-free grace period of 21 days applies to new standard revolving purchases that first appear on your account statement if the balance is paid in full by the payment due date. The minimum payment is the sum of interest, payment protection insurance premiums and taxes, if applicable, plus $10. Initial Account AIR is disclosed upon approval and varies based on the cardholder’s creditworthiness at the time of application. Current Account AIRs are 31.99% - 39.99% (35% max for Quebec residents). Any balance at the end of the promo term accrues interest at the Account AIR rate. Promos and terms may be changed without notice. Eligibility for promotions varies with cardholder creditworthiness.
**O.A.C. Available at select merchants. Subject to the terms of the Flexiti cardholder agreement. Minimum purchase may apply. Promo periods between 24 to 60 months may be available, depending on the merchant. The purchase amount will be charged to your account in equal monthly payments of principal and interest at a promo annual interest rate of 19.99% or 29.99% (promo annual interest rate depends on cardholder creditworthiness and will be advised before purchase), plus payment protection insurance premiums, fees, and taxes, if applicable. If any payment is missed, all promo offers on the account may be cancelled, and upon cancellation, interest will be calculated at the account's annual interest rate (“Account AIR”). Any balance remaining at the end of the promo period accrues interest at the Account AIR rate. Account AIR is 39.99% (35% for Quebec residents) or as advised upon account approval and on your monthly statement. Monthly admin fee applies; amount varies based on the merchant, purchase amount, and promo term length, and will be financed with the purchase (not applicable for Quebec residents). Annual fee of
$99.99 applies to residents of Quebec, and $24.99 may apply to residents of other provinces. Promos and terms may be changed without notice.
1 Conditional upon ID verification and approved credit, a valid email address is required. Applications may be subject to a secondary, manual review.
Financing provided by Flexiti Financial. B.C. Licence No. 83660. Flexiti, FlexitiCard, Flexiti Wave Card, flexible way to pay, Simply Secure, live now, pay later, Flexiti Network and the Flexiti design are trademarks of Flexiti Financial Inc.
