Live now, pay later™ Shop with the FlexitiCard®
Get instantly approved for 0% financing*
How it works
Choose Flexiti at checkout to apply and instantly finance your purchase*
We know it's good to have options. Pick the financing plan and terms that suits your budget.
The flexible way to pay™
Plans that work for you
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 your term. 6 months plan available.
Regular credit purchase*
It's perfect for small purchases too! Use your FlexitiCard just like a regular credit card.
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.
A transactional fee that's charged when you finance a purchase. Admin fees range from $59.99 - $174.64 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).
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.
36 equal monthly payments with 29.99% interest**
Break up your entire purchase (including tax, applicable fees and optional insurance premiums) into 36 equal monthly payments with 29.99% interest.Learn more
For any other assistance, feel free to contact us. We are happy to help you!
Flexiti Terms and Conditions
*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 AccountAIR 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), and 39.99%. Any balance at the end of the promo period bears interest at the Account Al.
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.
*Instant 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. 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.
**O.A.C. On your Flexiti Wave Card. Minimum purchase may apply depending on merchant. Purchase amount is to be paid in 36 equal monthly payments of principal and interest at 29.99%, 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 cardholder agreement 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. Admin fee of $150 applies and will be financed with each purchase (excluding 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.