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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 account


How to register an account

A personal account allows you to get info about your balance, promotional plan, percentage rates, statements, and payments electronically.

To manage an account, you should be a Flexiti client. 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 (a different one for Quebec residents) and click the «Next» button.

  4. Fill out financial and employment information: personal and annual household income, housing type (rent, own, live with relatives), occupation, job title, employer name and phone number, Social Insurance Number, personal identification word, security question, and answer. Click «Next».

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

  6. Validate your email address by entering the security code sent to it.

  7. You have opened an account and a FlexitiCard.

The card is sent to you by mail; receive it and activate it at the site.

To log in

  1. Go to the official website. Click «Log in» on the sidebar or at the bottom of the page.

  2. You will see the new screen «». You should fill in your card number or username and password to log in.

For new clients: choose «Register my Flexiti account» and fill in the 16-digit Card number to begin the registration process.

You could also activate your card here. Click the «Activate my FlexitiCard» button and enter your profile number.

If you have any problems, call at 1-877-259-3745 from 9 a.m. till 9 p.m.

How to reset a password

If you have already signed up, but forget your password:

  1. Go to the official site and click the sidebar. Choose «Log in,» or click it at the bottom of the page.

  2. Click the «I forgot my password» line on the sign-in screen.

  3. Enter your 16-digit account number or username to reset the password. Then, click the «Next.»

If you have any problems, call 1-877-259-3745 from 9 a.m. to 9 p.m.

How to delete an account

If you use the FlexitiCard, the account remains open after you’ve paid everything off. And you may just continue shopping with no need to reapply.

Call at 1-877-259-3745, and Customer care will help you close an account. Notice: if you close the account, you remain liable for any outstanding balance.


How does Flexiti work?

Flexiti helps merchants and consumers by providing Buy Now, Pay Later technology online.

Borrowers may make purchases and pay according to the chosen options with a 0 — 37,99% AIR through a merchant as a lender. Merchants could get a fast and easy paying system, offer convenient and affordable financial services to their clients, and boost sales.

The services are provided on the Internet at the website or mobile app for merchants. An application form and all the documents are available paperless.

If you want to go shopping — visit the merchant's store or office. You could always use the «Where to buy» page at the company's site and look through all the conditions at the retailer site online 24/7.

Also, you could send a cheque to the corporate office. Flexiti Account Services address:

PO Box 340 Orangeville, ON

L9W 2Z7 Canada

How do I contact Flexiti?

To contact the company, you could use a feedback form on the official website. First, click the  «Contact us» at the bottom of the page. Then, click the «Get in touch» button on the next screen. Finally, fill in your name, email, and subject and send the message. Email at

You could call Customer Service: 1-at 877-259-3745 Monday to Friday: 9 am to 9 pm ET, Saturday: 9 am to 7 pm ET. Merchant Support: 1-877-259-3754, 9 am to 12:30 am ET from Monday to Friday. Saturday to Sunday: 9 am to 10:30 pm ET.

 Headquarters Address: 1740 - 130 King St W Toronto, ON M5X 1E1.

 Quebec Office: 5440 Boulevard Decarie, Montreal, QC  H3X 2J1.

It's possible to send a cheque to Flexiti Account Services, PO Box 340 Orangeville, ON L9W 2Z7, Canada.

Add your card /account number on the cheque’s memo line.

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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