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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Flexiti's app


How to download

The Flexiti app can be downloaded from its website via a redirect link, and the app can also be uploaded to the App Store or Google Play. It has no special requirements and is easy to install. The compatibility with your device and country is checked immediately. The active download button will not be displayed if the app is unavailable in your country.

How to use

You must open an account and apply for a Flexiti card and a credit line. Once you are approved and know your credit line, you can use the system and enjoy your shopping. The system is beneficial for both buyers and sellers. Buyers are relieved of excessive expenses that strain their cash flow and can still enjoy their purchases. Sellers can attract more customers and increase cash flow. Retailers simply enter the number of credits customers want and provide details about the promotion terms.

Customers can apply for a credit in-store and receive an approval within minutes.

How to sign in

Account number, personal identification, security question, and password are required for registration. In addition, Flexiti card numbers or username and password are required for further registration. If you wish, you can use the "Remember me" option, and your login details will be automatically inserted for future logins.


The app is not overloaded with superfluous information but offers everything you need as a system customer.

You can use it to:

  • apply for a loan;

  • activate your account;

  • work with financing plans and returns;

  • review revolving purchases and refunds; use the payment calculator;

  • view the approved credit amount and terms of use;

  • personal profile information;

  • merchants can arrange instant approval for their customers;

  • customer assistance section.

Future upgrades may add more features for the convenience of buyers and merchants.

Flexiti at Google Play

Download app

Flexiti at App Store

Download app


How to apply for a loan in the app?

You must use the "Apply for Credit" section and fill out the form offered. After approval, you will receive your credit limit. The amount of your limit will be indicated, for example, in the welcome letter or in the monthly statement. Also, in the app, you will see the amount for which you have been approved. You will also see the terms of use and fees there.

The financing plan depends on the retailer. Therefore, more information should be obtained from the individual retailer. In many cases, there is no interest rate option.

How to extend a loan?

Under certain circumstances, it is possible to apply for an installment plan. However, keeping track of your monthly payments is better to ensure your Flexiti account is in order. 

You should check to see if you can change the due date of your payments or contact customer service if you are having trouble repaying. However, make sure you do it before the due date, and that customer service is notified before the due date so they have the opportunity to help you out of the situation.

How to pay?

Payments are made online by adding Flexity as the bill payee or by mailing the check to Flexity Financial Account Services at the following address:

POB 340 Orangeville, ON, L9W 2Z7 (in which case you should also include your account number to ensure that your payment is processed correctly and in a timely manner).

How to restore access to the app?

You can use your registration email to get the instructions if you forget your login information. Suppose you are unsure or cannot remember which registration email you provided. In that case, you can contact customer support, and they will do their best to find a solution to identify you as a user and help you restore your access to the app.

How to delete the app?

If you want to uninstall the app, it is possible to do so from the Google Play Store app via Manage apps and devices in the top right corner. First, tap the name of the app you want to remove, then tap Uninstall.

Also, there is another option, and you can also touch and hold the app (it works for iPhone and Android). Tap “Remove App” or “Delete app”.

Calculate loan payments in Flexiti

Flexiti calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

100 $
1000 $
Loan term

Specify the loan term for the calculation


What to pay attention to when applying for a loan from Flexiti

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes Flexiti from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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