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Marketing Financing on your Site

Below are recommendations to help increase the effectiveness of financing messages on your site to make the most of financing and help drive more conversions:

  • Financing messages should be prevalent throughout the entire customer journey. We encourage you to include financing messages starting at the very beginning of the customer journey so customers know their financing options as they begin to shop.

    • Think about your customer’s journey and all the points that a financing message would be effective: Homepage Carousel Banners, Product Pages, Checkout etc.

  • You can find approved financing language and applicable disclaimers below under ‘Headlines and Legal Compliance’

  • We also strongly recommend that you include a financing specific landing page to your e-commerce site. This will help communicate the benefits of financing with Flexiti to your customers and encourage them to apply. You can download our template from the Developer Portal, or if you want to create your own, you can leverage the approved copy also available there.

  • Add Flexiti as payment method in the footer of your site, or wherever else you are displaying available payment methods. You can download the Flexiti Network icon from the Developer Portal.

Messaging and Legal Compliance

There are very specific rules when it comes to marketing financing on your e-commerce site. Please be sure to follow the below directions carefully when promoting financing.

Marketing Financing in provinces other than Quebec:

Sample messaging:

  • 0% interest financing*

  • No interest financing*

  • Shop online with 0% interest financing*

  • Pay for your purchase in 12 equal monthly payments*

  • Instant 0% financing*

Disclaimer Placements

Whenever any of this messaging (or similar) are used we must include the below disclaimer either:

  • On the same page as the financing message - preferably in the same banner as the message

  • In a pop-up close to the financing message

  • One-click away from the financing message (ie. to the financing landing page) but must drive directly to the terms

Applicable Disclaimer

Below is the applicable disclaimer (be sure to fill in the minimum purchase amount and admin fees as applicable to your store):

  • O.A.C. Subject to terms of your Flexiti cardholder agreement. Minimum purchase of $XX applies. No interest will accrue during the promo period and monthly payments include premiums for payment protection insurance and fees, if applicable. If any payment is missed, the promo offer may be cancelled and upon cancellation, interest will be calculated at the cardholder agreement annual interest rate (Account AIR). Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application and does not exceed RBC prime + 33.29% (35% for Quebec residents). Any balance at the end of the promo period bears interest at the Account AIR. Admin fees of $XX apply and will be financed with purchase (excluding Quebec residents). Annual fee of $39.99 applies for residents of Quebec and $24.99 may apply for residents of other provinces. Promos and terms may be changed without notice. Conditional upon ID verification and on approved credit and valid email address required. Applications may be subject to a secondary, manual review. Financing provided by Flexiti Financial. Flexiti, FlexitiCard, and Flexiti Financial are trademarks of Flexiti Financial Inc.

Marketing Financing in Quebec:

If your store has a Quebec presence and does business in Quebec, there are additional rules that need to be followed:

  • Cannot say ‘0% interest' in Quebec. However, you can say 'no interest’.

  • We cannot urge Quebec consumers to make purchases with credit. We can simply advise that credit is available to them.

Sample headlines:

  • Financing available with Flexiti*

  • No interest financing available*

  • On-the-spot credit available*

Disclaimer Placements

Whenever any of this messaging (or similar) are used we must include the below disclaimer either:

  • On the same page as the financing message - preferably in the same banner as the message

  • In a pop-up close to the financing message

  • One-click away from the financing message (ie. to the financing landing page) but must drive directly to the terms

Applicable Disclaimer

Below is the applicable disclaimer (be sure to fill in the minimum purchase amount and admin fees as applicable to your store):

  • O.A.C. Subject to terms of your Flexiti cardholder agreement. Minimum purchase of $XX applies. No interest will accrue during the promo period and monthly payments include premiums for payment protection insurance and fees, if applicable. If any payment is missed, the promo offer may be cancelled and upon cancellation, interest will be calculated at the cardholder agreement annual interest rate (Account AIR). Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application and does not exceed RBC prime + 33.29% (35% for Quebec residents). Any balance at the end of the promo period bears interest at the Account AIR. Admin fees of $XX apply and will be financed with purchase (excluding Quebec residents). Annual fee of $39.99 applies for residents of Quebec and $24.99 may apply for residents of other provinces. Promos and terms may be changed without notice. Conditional upon ID verification and on approved credit and valid email address required. Applications may be subject to a secondary, manual review. Financing provided by Flexiti Financial. Flexiti, FlexitiCard, and Flexiti Financial are trademarks of Flexiti Financial Inc.

REMINDER: All financing communications or landing pages must be shared with Flexiti for approval prior to launching. This is to ensure that all messaging is compliant.

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