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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 application


How to apply

Flexiti business is operating online through the advanced assessment algorithm. It verifies and evaluates your information to decide whether you are eligible for a loan and promotional plan, what amount with which interest, and for how long you could borrow. Sometimes manual evaluation is required.

What do you need to apply:

  1. Go to the corporative site. Click the «Apply now» button.

  2. Then, fill out your personal, financial, and employment info.

The data that will be collected or verified during the application:

  • Your contact information, including your name, address, telephone number, and email address;

  • Your identifying information, including your date of birth, social insurance number (optional), data from your driver’s license or other government identification;

  • Information that is used to authenticate you, such as your mother’s maiden name or your personal identification word;

  • Your financial data including income, expenses, assets, and liabilities;

  • Your credit info (such as credit history, payment history, and details pertaining to other credit accounts you have and to your account, and all other personal data that affects your credit that has been provided to you or that you have applied for);

  • Your banking information;

  • Details of your interests and purchasing preferences;

  • Your location information, including your internet protocol address (“IP”) and geo-location data.

  1. Review and accept your Cardholder Agreement.

Your account and card are opened. You are welcome to choose a participating retailer and make a purchase using Flexiti.

Now you are able to buy without reapplying at your arranged borrowing capacity.

Application details

An application form could be filled out and submitted in a couple of minutes 24/7. After that, you will have access to your profile number and could complete a bargain at the merchant's office or through the checkout process if you buy online.

After receiving and activating the card you can make purchases in Flexiti network businesses, you don't have to reapply, just mind your credit limit.

Operating hours: Monday to Friday – 9 am to 9 pm ET, Saturday – 9 am to 7 pm ET.

Your application may be rejected as the result of a credit check, considering your income, credit score, and past credit history.

The final loan terms differ by province and business. Promotional plans, including 0% AIR aren't available at all retailers.

Apply at the official website.

  1. Go to the site and click the «Apply now» button on the main page.

  2. Fill out personal information: email address, phone number, name, date of birth, address.

  3. Read the cardholder agreement and click the «Next» button.

  4. Fill out financial and employment information: personal and household annual income, housing type (rent, own, live with relatives), occupation, job title, employer name, and phone number. It is necessary to validate your credit request.

  5. Fill in your Social Insurance Number to speed up your approval.

  6. Make up the personal identification word, security question, and answer. It's needed for the future logging into your account. Click «Next».

  7. Review your Cardholder Agreement and click «I Agree».

  8. Validate your email address by entering the security code that has been sent to it.

  9. You have opened an account and credit card.

The card is sent to you by mail, receive it within 10-15 days, and activate it at the site. You could make any purchases within your credit limit. Purchase with a preferable retailer using your paying option or credit card.

Where to buy

  1. Go to the official website of the company to find a suitable business to deal with.

  2. Click the «Where to buy» on the sidebar.

  3. Choose a needed retailer. You can classify it, tick «In-store» or «Online», or pick the proper category from the drop-down list, «Auto» to «Fitness.»

  4. You will be transferred to the retailer's website.

  5. Make a purchase and select Flexiti as a form of payment at checkout.

Some retailers operate offline so that you may make a deal at the merchant's office as well.


How long does it take to get approved by Flexiti?

The loan request is approved within minutes if all the details are provided and accurate. However, it could take longer if manual verification is necessary.

How trustworthy is Flexiti?

Flexiti is BBB accredited business with the highest rating A+. The company has been operating in Canada since 2013.

Paying activity is reported to credit bureaus. The company conducts credit checks, namely, requests data from the credit department that provides info about you for validation and risk assessment purposes. It disclose and shares your personal information with third parties, including customer agencies, service providers, affiliates, and merchants, and in case of any legal process or court orders.

Flexiti only claims that the company is «committed to ensuring the security of your personal data to protect it from unauthorized access, collection, use, disclosure, copying, modification, disposal or similar risks.» It protects personal data with safeguards appropriate to the sensitivity of the information.

Does Flexiti verify income?

Yes, it does. The company conducts credit checks to evaluate borrowers' creditworthiness. It is not disclosed what minimum credit rating you should have to qualify. Terms of paying and AIR are based on the assessment of your creditability.

Does Flexiti hurt your credit score?

Yes, it does. Flexiti conducts credit checks: request your credit report. But unfortunately, too many checks in your financial history cut down your creditability.

The company shares information about you and your balance with credit bureaus and other third parties. It includes all repayments details or other defaults on your profile.

Consider if you need a loan or limit the applications to reduce credit checks.

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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