Buy now, Pay later*
Turn Big Purchases into Small Payments
Apply today with Flexiti and get approved for 0% financing* in minutes1.
Flexiti is accepted at over 8,000 retail locations.
The Payment Flexibility You Need
We’ve partnered up with Flexiti to offer you flexible financing plans that can fit your lifestyle.
Flexiti offers instant credit approval* by applying online from the comfort of your home or in-store.
Equal monthly payments
- no interest*
Break up your entire purchase
(including tax, applicable fees, and
optional insurance premiums) into
equal monthly payments over the
course of a 12 month term.
Deferred payment - interest accrues,
no payments*
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 vary based on value.
Regular credit purchase*
It’s perfect for small purchases too!
Use your FlexitiCard just like a regular
credit card.
Flexiti Fees
Admin fee
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 financed within your total
purchase amount (not applicable for Quebec residents).
Annual fee
A $24.99 annual fee is charged annually if your account
has a balance ($39.99 for residents of Quebec).
Your first annual fee is due on your first statement.
FAQs
How do I apply for Flexiti?
Click ‘Apply now’ to access Flexiti’s quick and easy online application. It only takes minutes to complete!1
How do I pay with Flexiti?
Shopping online? At checkout, select Flexiti as your payment method. You’ll be prompted to apply for a Flexiti account or to enter your existing Flexiti account number. Then, select your financing plan and complete your purchase. It’s that easy!
Or, if you’re shopping in-store, chat with a sales representative to apply or make purchases using your Flexiti account via our merchant app.
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 like 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 – just 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 shop at flexiti.com/network.
What is a Flexiti Wave Card and how is it different than 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 payments promotions that include interest at select merchants.
While the Flexiti Wave Card and FlexitiCard are distinct and offer different financing options, both work to provide flexible options at 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.
The flexible way to pay™
*O.A.C. Subject to terms of the Flexiti cardholder agreement. Available plans depend on merchant and in-store or online shopping. Minimum purchase may apply; varies by merchant, see merchant for details. Deferred payment – no interest, no payments: no payments are required during the promo period. Interest at the cardholder agreement annual interest rate (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. Equal monthly payments – no interest: no interest is payable during the promo period. Purchase is to be paid in equal monthly payments of principal 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 AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99% - 39.99% (35% max for Quebec residents). Any balance at the end of the promo period bears interest at the Account AIR. Admin fees may apply depending on the merchant and will be financed with purchase; fee amounts are based on promo term length (not applicable for Quebec residents). Annual fee of $39.99 applies for residents of Quebec and $24.99 may apply for residents of other provinces. No payments deferred plans are not available for Quebec residents, however, other deferred interest promos may be available; varies by merchant. Regular Credit Purchase: Interest-free grace period of 21 days applies for new standard revolving purchases that appear on an account statement for the first time if the balance is paid in full by the payment due date. Promos and terms may be changed without notice. Eligibility for promotions varies with cardholder creditworthiness.
**O.A.C. Available at select merchants. Subject to terms of the Flexiti cardholder agreement. Minimum purchase may apply. Promo periods between 24 to 60 months may be available, depending on the merchant. Purchase amount will be charged to your account in equal monthly payments of principal and interest at promo annual interest rate of 19.99% or 29.99% (promo annual interest rate depends on cardholder creditworthiness and will be advised prior to 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 annual interest rate (“Account AIR”). Any balance at the end of the promo period bears interest at the Account AIR. 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 merchant, purchase amount and promo term length and will be financed with purchase (not applicable for Quebec residents). Annual fee of $99.99 applies for residents of Quebec and $24.99 may apply for residents of other provinces. Promos and terms may be changed without notice.
1Instant financing is conditional upon ID and on approved credit and valid email address 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.
