The flexible way to pay ™

Plans that work for you

Equal Monthly Payments - No Interest*

Break up your purchase into equal monthly payments over the course of your term. Plan terms range from 24 – 48 months.

Deferred payment*
(in-store only)

No payments are required during the term (other than optional insurance premiums which are billed monthly), however, the balance must be paid in full before the end of the term to avoid accrued interest being charged to your account. Plan terms range from 3 - 18 months.

Regular credit purchase*

It’s perfect for small purchases too! You can use your FlexitiCard just like a regular credit card.

Flexiti Fees

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.

Equal monthly payments - 19.99% or 29.99% interest**

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 3 – 12 months.

Regular credit purchase**

Use your Flexiti Wave Card just like a regular credit card.

*O.A.C. On your FlexitiCard. Minimum product purchase of $230 is required. Subject to terms of the Flexiti cardholder agreement. 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 promo period. Purchase is to be paid in equal monthly payments of the principal plus payment protection insurance premiums, AIR is disclosed upon approval, varies based on cardholder's creditworthiness at time of application. Current Account AIRs are 31.99%, 35% (max for Quebec residents), 36.99% and 39.99%. Any balance at the end of the promo period bears interest at the Account AIR. Admin fees of $0 - $249.99 applies and will be financed with purchase; fee amounts are based on purchase amount and will be communicated at time of transaction (not applicable for Quebec residents). The amount is payable in full even if the balance is paid off early. 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. 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.