*On approved credit. Available to FlexitiCard holders only. This offer cannot be combined with any other offer. Once approved, to obtain the credit plan, customer will have to enter into a credit agreement with Flexiti Financial Inc. (the cardholder agreement) which will contain all applicable terms. Minimum purchase of $300 (excluding taxes) required. “Deferred Plans” promotional plans and available interest rates vary based on applicant’s creditworthiness at time of application. Interest accrues at the cardholder agreement annual interest rate (AIR) from the date of purchase and during the promotional period and will be charged only if the promotional plan expires without full payment by the end of the plan or is canceled in accordance with the law and the credit agreement due to payment default on the account. The billing period for each account statement is 28 to 31 days. AIR is disclosed upon approval. Current Account AIRs are between 31.99 % and 35 %. Any balance at the end of the promotional period accrues interest at the Account AIR. For balances subject to a Deferred Plans promotion, the minimum monthly payment will be equal to 5 % of the outstanding balance. For regular credit purchase balances, the minimum monthly payment required is the greater of 5 % of the outstanding balance or the interest and fees shown on your monthly statement. Protection insurance premiums and taxes, if applicable, are billed monthly and must be added to the monthly minimum payment. For all balances, the minimum payment will be at least 10 $, unless your total balance is less than 10 $, in which case your balance will be due in full. Conditional upon ID verification. A valid email address is required. Promotions and terms shown on our website may be changed without notice.

Applications may be subject to a secondary, manual review. Financing provided by Flexiti Financial Inc. There are no administration, annual membership, or renewal fees applicable to Deferred Plans. Account annual fees of either $ 39.99 or $ 99.99 may apply; please see the cardholder agreement for full details.

Examples of borrowing costs can be found below:

**On approved credit. Once approved, to obtain the credit plan, customer will have to enter into a credit agreement with Flexiti Financial Inc. (the cardholder agreement) which will contain all applicable terms. Minimum purchase of $300 (before taxes) required. For the first 90 days from the date of the purchase, no interest accrues, and no payments are required on the promotional balance, except for premiums and taxes for optional payment protection insurance, if applicable, which are billed monthly. After the first 90 days, the promotional annual interest rate (Promo AIR) will apply to the balance subject to the promotion, and the balance will be repayable in equal monthly payments of principal and interest at the Promo AIR. The billing period for each account statement is 28 to 31 days. The available Promo AIRs are 9.99%, 13.99% and 19.99%. Eligibility for promotions and the applicable Promo AIR varies based on cardholder’s creditworthiness and will be disclosed prior to purchase. For balances subject to an equal monthly payment promotion, the minimum monthly payment required, if any, will be equal to the minimum payment due under each promotion. If any required payment is missed, all promotional offers on the account may be canceled to the extent permitted by applicable law and the cardholder agreement and upon cancellation, interest will be calculated at the cardholder agreement annual interest rate (Account AIR), which will be disclosed on your welcome email and monthly statements. Current Account AIRs are between 31.99% and 35%. Any balance at the end of the promotional period accrues interest at the Account AIR. There are no annual membership or renewal fees and we or Flexiti Financial Inc. do not charge any plan administration fees. Promotions and terms may be changed without notice. Financing provided by Flexiti Financial Inc. This offer cannot be combined with any other offer.

Examples of borrowing costs can be found below:

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