Flexiti provides flexible financing to help customers make important purchases. Available at a network of over 8,500 top-tier retail locations and e-commerce sites, including The Brick, Wayfair.ca, Sleep Country, Staples and Birks, Flexiti’s award-winning sales financing platform provides customers and merchants alike with seamless point-of-sale service.

Flexiti offers Canadians flexible financing on their two cards: The FlexitCard® and The Flexiti Wave Card™. You can apply for a FlexitiCard at Flexiti.com or at any partner retailer within the Flexiti Network™. Your eligibility for a FlexitiCard or Wave Card will be determined at time of application, based on your credit history. 

The FlexitiCard(R) is the flexible way to pay™! Your FlexitiCard gives you access to flexible, no interest [1] financing plans at over 8,500 retail locations in the Flexiti Network, without needing to re-apply each time! 

Your Flexiti Wave Card™ gives you access to flexible financing (with interest [2]), at many retailers in the Flexiti Network™ without needing to re-apply every time you shop!

Yes! Flexiti was founded in Toronto, ON in 2013. As Flexiti scaled, the company was acquired by Questrade in 2023, which is Canadian owned, and headquartered in North York, ON. Flexiti, takes pride in offering flexible financing options to Canadians and looks forward to continuing to expand our product suite and delivering new experiences for our cardholders in the years to come.

To apply for a FlexitiCard, you must meet the following criteria:

• Be a resident of Canada.
• Be the age of majority in your province or territory of residence.
• Have a valid government issued photo ID (like a driver’s licence or passport)

Click the Apply button below to start your Flexiti application, or apply online at flexiti.com.

Yes, Flexiti will conduct a full credit check during the application process to verify you as a customer and your credit worthiness.

Your FlexitiCard or Flexiti Wave Card will arrive by mail within 10-15 days of approval. 
However, you can use the virtual card received in your Flexiti welcome email to make purchases right away.

No - your card will not expire. 

If your application was declined, unfortunately, we were unable to open an account for you at this time. Should you have any questions about your credit history, please contact TransUnion or Equifax. You are welcome to reapply again in 6 months. 

Flexiti is committed to protecting your personal information. View Flexiti's Privacy Policy for more information.

Get easy access to your account details by registering your Flexiti account online through  flexiti.com/register. 

Then you can login to your account at my.flexiti.com anytime to view your statements, balance, purchase history, annual interest rate, and information about your promotional plans.

Search for Flexiti Financial in your online or telephone banking bill payment system. Enter your 16-digit FlexitiCard or Wave Card number as the account number. 

Please note that payments must be received by your Payment Due Date or Promo Expiry date for deferred payment plans. It may take up to five (5) business days for Flexiti to receive your payment from your bank, at which point the payment would be viewable on your account at my.flexiti.com. Please consider this when making your payments.

If online payments are not possible, you can visit your bank branch in person and request a payment to be made to Flexiti Financial. You will need to provide your 16-digit card FlexitiCard or Wave Card number, so that the payment can be routed and applied directly to your Flexiti account.

No, there are no penalties for paying off your promotional plan early, provided you meet your Minimum Payment for each statement period.

Request a credit limit by calling 1-877-259-3750.

[1] 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. Deferred payment - no interest, no payments. No payments are due on purchases made under this promotion until the promotion’s expiry date. No interest is payable for the duration of the promotional term on the balance subject to the promotion. Interest does not accrue on the balance subject to the promotion for the duration of the promotional term. If the promotional balance is not paid in full by the promotional expiry date, immediately following the promotion expiry date, any outstanding balance which was subject to the promotion will then be treated as a regular credit purchase and the applicable deferral fee will be charged to your account. 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. 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). Deferred payment plans with “no payments” are not available for Quebec residents. Notifications on changes to promotions and terms will be provided as required by legislation. Financing arranged by Flexiti Financial Inc. B.C. License #83660. Flexiti, FlexitiCard, and the Flexiti design are trademarks of Flexiti Financial Inc.

[2] Conditional upon ID verification and on approved credit and valid email address required. Applications may be subject to a secondary, manual review. 

[3] Based on The Globe and Mail’s Top Growing Companies Ranking from 2019

[4] Capgemini: Top Trends in Retail Banking 2020 

Flexiti, FlexitiCard and the Flexiti design are trademarks of Flexiti Financial Inc.  Other names, logos and designs that appear on this Website are the trademarks of their respective owners.

There are a number of advantages that make leasing an attractive option for many people.

• Offers fixed regular payments.
• Provides financing for 100% of the purchase including equipment, software and services (i.e. installation, freight).
• Allows people and businesses to pay for equipment as it is used to generate income.
• Conserves both working capital and bank lines of credit.

Any consumer, company, sole proprietorship, partnership, organization or association can apply to lease equipment.

Note: For Quebec residents only - Individuals cannot lease equipment through Equilease. Equipment can only be leased through Equilease if the lease is in the name of a company, organization or association registered with the government.

As the lessor of the goods Equilease (or its assignor) is the legal owner of the equipment during the lease period. Most leases are written with a $10 buy-back so that at the end of the lease period the customer owns the goods.

Equilease first reviews the credit information provided on the lease application. Upon approval, the lease agreement is prepared. When the equipment is delivered, Equilease pays the vendor and begins billing you according to the agreed lease payment terms and schedule.

Generally, no.

The monthly payment is based on the term of the lease, cost of the equipment and the type of leasing plan you choose. Equilease offers 24-66 month leasing plans.

Credit worthiness is based on a number of factors:

• Credit bureau rating.
• Type of business.
• Length of time in business.
• Financing conditions.
• References from financial institutions.
• Trade references.
• Bank reference.

For lease applications over $25,000, 2 years of financial statements may be required.

Leases cannot be cancelled.

Yes. You have the option of continuing the lease, purchasing the equipment or returning it to Equilease. Your lease plan will determine what your buy-out options are.

The GST and PST (where applicable) are calculated on a monthly basis based on your lease payment. This way, you are only financing the actual cost of the equipment; you are not financing the taxes.

For a personal lease, the designated lessee and guarantor (if applicable) must sign the lease. For a business lease, the lease must be signed by an authorized office of the corporation, by one of the partners in a partnership, or by the owner of a sole proprietorship.

The customer receives all the benefits of the buyer's warranties and is responsible for the care and maintenance of the equipment.

Leasing requires that all equipment be insured. If the customer's personal insurance does not cover the equipment, insurance can be arranged through Equilease.

Although most lease payments are fully tax deductible, you should seek the advice of your accountant to determine the best treatment for tax purposes.

Established bank lines of credit are unaffected and can be better-maintained and utilized for day-to-day operating expenses and unforeseen emergencies.

When you choose Affirm at checkout, you'll be prompted to enter a few pieces of information for a real-time loan decision. Upon approval, you can select from available payment plans, such as making four interest-free payments every two weeks or monthly installments with interest. Payments can be made online or through the Affirm app.

Affirm does not charge late fees, prepayment fees, service fees, or hidden fees of any kind.

Affirm performs a soft credit check when you apply for a loan, which does not impact your credit score. However, Affirm may report your payment history to credit bureaus, so timely payments can positively influence your credit, while missed payments may have a negative effect.

You can make payments to Affirm through their website or mobile app using a debit card, bank transfer, or check. Affirm also offers the option to set up AutoPay for automatic payments.

Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be 0–31.99% APR (where available and subject to provincial regulatory limitations). APR offered is based on creditworthiness and subject to an eligibility check. Not all customers will be eligible for 0% APR. Payment options depend on your purchase amount, may vary by merchant, and may not be available in all provinces/territories. Actual payment option terms will be shown at checkout. A down payment (or a payment due today) may be required. Affirm accepts debit cards and PAD as forms of repayment on payment options. Select payment options may be eligible for repayment in the form of credit cards. Please review the terms and conditions of your credit card when using it as a form of repayment. Sample payment options may be: a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. For more information, please see https://www.affirm.com/en-ca/how-it-works.