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Live now, pay later
Shop with the FlexitiCard®

Get instantly approved¹ for 0% financing*

We’ve partnered with Flexiti to help turn your big purchases into small payments.



Apply today and get approved for 0% financing* in minutes.¹

Apply now

How it works

Choose Flexiti at checkout or talk to a sales representative in-store to apply and instantly finance your purchase.¹

We know it’s good to have options. Pick the financing plan and term that suits your budget.

Use your FlexitiCard again and again, without reapplying! Shop at thousands of retail locations within the Flexiti Network

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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.

Equal Monthly Payments - low interest*


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.

Flexiti fees

Admin fee


A transactional fee that’s charged when you finance a purchase. Admin fees depend 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. 

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. 

Flexiti Simply Secure

Did you know? Simply Secure is an insurance program that offers payment protection coverage to Flexiti cardholders in case of certain unforeseen circumstances.


Learn more about Flexiti Simply Secure™ on www.flexiti.com.

FAQs

Got a question? We’re here to help.

  • 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?

  • 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 your Flexiti cardholder agreement. Minimum purchase may apply. Admin and/or annual fees may apply; varies by merchant. Promotional plans and available interest rates vary based on applicant's creditworthiness at time of application. Initial cardholder agreement annual interest rate (Account AIR) is disclosed upon approval, varies based on cardholder's creditworthiness at time of application. Equal monthly payments - no interest. No interest is payable for the duration of the promotional term on the balance subject to the promotion. The balance subject to the promotion is to be paid in equal monthly payments comprising principal and promotional interest, any applicable fees, and optional payment protection insurance premiums and taxes, if applicable, for the duration of the promotional term. Interest bearing equal monthly payment plans: the annual promotional interest rate for the promo term will be disclosed prior to completion of the transaction. 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 required payment is missed, all promotional offers on the account may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Any balance at the end of the promotional period bears interest at the Account AIR. Current Account AIRs are 31.99% - 34.99%. Administrative fees may apply (not applicable for Quebec residents) depending on the merchant and will be financed with purchase; fee amounts are based on purchase amount and promotional plan term length and are payable in full if the promotion is paid off early. Annual fee of $24.99 may apply ($39.99 for residents of Quebec). Promos and terms may be changed without notice. Conditional upon ID verification 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, and Flexiti Financial are trademarks of Flexiti Financial Inc.

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