A Flexiti account is a virtual credit card that has no sign-up fees and never expires. We provide customers with a credit limit that they can use to make purchases within your store with flexible and affordable payment terms.

Yes, Flexiti will conduct a credit check during the application process.

Once your application is approved, Flexiti will send a Welcome Email with the account details. If no email address was provided during the application, it will be mailed to the mailing address provided ($3 monthly paper statement fee applies). You can change this setting later by calling in.

Your interest rate is determined based on your credit score on the date of application. Once the application is approved, the Low Interest offer annual rate is 7.99%, 8.99% or 9.99%. The Regular Interest offer is 9.99%, 13.99% or 19.99%. It is displayed on the Payment Summary screen prior to completing a purchase. If on a No Interest offer, there is no annual interest rate unless payments are missed.

The easiest way to pay is through your bank’s online banking bill payment system. Simply add Flexiti (Flexiti Financial) as a payee.

If you miss a payment, we may cancel your promotional plan, and your remaining balance under that plan will be treated as an interest-bearing purchase going forward. For deferred plans, if you do not pay the promotional balance before the expiry date, the accrued interest will be charged to your account.

Also, in certain circumstances, the annual interest rate that applies to your account may be increased. Your statement will have details about your payment amount and due date. Don’t forget, if your account carries only a deferred payment plan, Simply SecureTM insurance premiums will be added to the promotional balance each month and will be due when your promotional plan is due (not applicable for Quebec residents). For more information about missed payments, see your cardholder agreement.