The flexible payment solution™

*On approved credit. Subject to the terms of the Flexiti Cardholder Agreement. The plans offered depend on the merchant and whether you buy in-store or online. A minimum purchase may be required and varies by merchant; ask the merchant for details. Deferred payment – ​​no interest, no payment: no payment will be required during the promotional period. Interest calculated at the annual rate (APR applicable to the account) indicated in the Cardholder Agreement will accrue during the promotional period and will be charged if the balance is not paid in full before the expiration date of the promotion or if the promotion is canceled due to non-payment. Payment in equal monthly installments – without interest: no interest will be charged during the promotional period. The purchase must be paid in equal monthly installments including the principal plus payment protection premiums, fees and taxes, if applicable. All promotions applicable to the account may be void if you fail to make a payment. In the event of cancellation, interest will be calculated at the TIA applicable to the account. The initial AIP applicable to the account is disclosed at the time of approval and varies depending on the creditworthiness of the cardholder at the time of application. The current ATRs that are applicable to accounts are 31.99%, 35% (the maximum for Quebec residents), 36.99% and 39.99%. Any unpaid balance at the end of the promotional period will bear interest at the APR applicable to the account. Administrative fees may apply depending on the merchant (except to residents of Quebec) and will be financed with the purchase; the amount of such fees depends on the duration of the promotion. An annual fee of $39.99 applies to residents of Quebec, and a fee of $24.99 may apply to residents of other provinces. “No Pay” deferred plans are not available to residents of Quebec, but other deferred interest options may be available depending on the merchant. Regular credit purchase: A 21-day interest-free grace period applies to new standard revolving rate purchases appearing for the first time on your statement if the balance is paid in full before the payment due date . Promotions and terms are subject to change without notice. **On approved credit. Available at selected merchants. Subject to the terms of the Flexiti Cardholder Agreement. Minimum purchase may be required. Promotional periods of 24 to 48 months may be offered depending on the merchant. The amount of the purchase will be charged to your account in equal monthly installments including the principal and interest calculated at the promotional annual rate of 19.99% or 29.99% (the promotional annual interest rate depends on the creditworthiness of the cardholder and will be indicated before the purchase is completed), plus payment protection premiums, fees and taxes, if applicable. All promotions applicable to the account may be void if you fail to make a payment. In the event of cancellation, interest will be calculated at the annual rate (APR) applicable to the account. Any unpaid balance at the end of the promotional period will bear interest at the APR applicable to the account. The APR applicable to the account is 39.99% or 45.99% (35% for residents of Quebec), or as indicated at the time of account approval and on your monthly statement. Administrative fees may apply depending on the merchant (except to residents of Quebec) and will be financed with the purchase; the amount of such fees depends on the amount of the purchase and the duration of the promotional offer. An annual fee of $99.99 applies to residents of Quebec, and a fee of $24.99 may apply to residents of other provinces. Promotions and terms are subject to change without notice. 1Instant financing offered subject to identity verification and credit approval; a valid email address is required. Requests may be subject to secondary manual review. Financing offered by Flexiti Financial. Flexiti, FlexitiCard, Flexiti Network, Live in the moment, pay later, The flexible payment solution and Flexiti Financière are trademarks of Flexiti Financière Inc.