Flexible Payment Solutions
Financing Options
The Flexible Way to Pay for What You Love
We’ve partnered with Flexiti to help turn your big in-store purchases into small payments. We've partnered with Flexiti to make purchasing luxury watches and fine jewellery more affordable. With quick in-store approval, flexible financing plans, and the convenience of the reusable FlexitiCard®, you can enjoy your purchase today and pay over time.
Why Finance with Flexiti:
Purchase and defer your payments up to 12 months with 0% interest*. Unlike traditional financing methods, you don’t have to reapply once you're approved! Use your FlexitiCard to make purchases again and again, up to your approved credit limit.
We've partnered with Flexiti to make purchasing your next luxury watch or fine jewellery more affordable. With quick in-store approval, flexible financing plans, and the convenience of the FlexitiCard, you can enjoy your purchase today and pay over time.
Once approved, your FlexitiCard can be used again for future purchases at Arnik Jewellers and thousands of participating retailers across the Flexiti Network. Flexible financing is available in-store only, subject to credit approval and applicable terms and conditions.
Simple Process
How It Works
Apply In-Store
Visit Arnik Jewellers and choose Flexiti as your financing option. Complete the quick application and receive a credit decision in minutes, subject to approval.
Choose Your Financing Plan
Select the financing plan and payment term that best fits your budget. Enjoy flexible payment options designed to make your purchase more affordable.
Use Your FlexitiCard Again
Once approved, your FlexitiCard can be used again and again without reapplying, up to your approved credit limit. It's accepted at thousands of participating retailers across the Flexiti Network™ .
Payment Plans
The Flexible Way to Pay™
Choose the financing option that best fits your budget and purchasing needs.
Equal Monthly Payments
Break up your purchase into equal monthly payments over your selected financing term. Enjoy predictable payments with 0% interest on eligible promotional plans*.
Deferred Payment
Take your purchase home today and defer your payment until the end of your promotional term. Interest accrues during the deferred period, and no payments are required during the promotion*.
Regular Credit Purchase
Use your FlexitiCard just like a traditional credit card for everyday purchases at Arnik Jewellers and thousands of participating retailers across the Flexiti Network.
*Financing options are available on approved credit. Promotional plans, interest rates, fees, eligibility requirements, and terms vary. See the full Terms & Conditions below for complete details.
Fees & Charges
Flexiti Fees
Admin Fee
- A transactional fee that's charged when you finance a purchase.
- Admin fees range from X – X depending on your term length and may be expressed as a monthly or annual amount.
- Admin fees are financed within your total purchase amount (not applicable for Quebec residents).
Annual Fee
- A $39.99 annual fee ($24.99 for residents outside of Quebec), if applicable, is charged on your monthly statement following your first transaction and, if there is an outstanding balance on your account, on each anniversary date of your first purchase transaction.
- Your first annual fee is due on your first statement.
Accepted Across Canada
The Flexiti Network
Your FlexitiCard is accepted at thousands of participating retail locations across Canada, both in-store and online. Shop for luxury watches, fine jewellery, electronics, furniture, appliances, fitness equipment, auto parts, and much more using your approved Flexiti financing.
Introducing the Flexiti Wave Card™
While not all applicants qualify for no-interest promotional financing, eligible customers may be approved for the Flexiti Wave Card, which offers additional financing options including equal monthly payment promotions with interest and regular credit purchases.
Financing Options
Depending on your approval, the Flexiti Wave Card allows you to make regular credit purchases and access equal monthly payment promotions with applicable interest rates at participating merchants.
Need Assistance?
For questions about your Flexiti account, applications, or payments, visit flexiti.com or call 1-877-259-3745.
Introducing Flexiti Simply Secure™
Flexiti Simply Secure is an optional payment protection insurance program designed to help eligible Flexiti cardholders during certain unforeseen life events. Coverage may help protect your account balance, subject to the terms, conditions, and eligibility requirements of the insurance program.
Learn more by visiting flexiti.com/pages/simply-secure .
Ready to Finance Your Purchase?
Visit Arnik Jewellers to apply for Flexiti financing in-store. Our team will guide you through the quick application process, help you choose the financing plan that fits your budget, and answer any questions along the way.
Contact UsFrequently Asked Questions
Questions & Answers
Visit Arnik Jewellers to access Flexiti’s quick and easy in-store application. The application only takes a few minutes to complete and is subject to credit approval.
Shop in-store and speak with one of our sales representatives to apply or make purchases using your Flexiti account. Select your financing plan and complete your purchase—it's that easy.
Register your account at my.flexiti.com . Once registered, you can view your available credit, outstanding balance, statements, financing plan details, and more.
You can make payments through your bank's online bill payment service by adding Flexiti Financial as a payee. Alternatively, you may mail a cheque to Flexiti Financial and include your account number to avoid processing delays.
Flexiti Financial Inc.
Attention: Account Services – Payment Processing
P.O. Box 340
Orangeville, ON L9W 2Z7
Call 1-877-259-3745 or email service@flexiti.com .
The FlexitiCard is accepted at thousands of participating retail locations across Canada, both in-store and online, within the Flexiti Network™ .
Customers approved for a Flexiti Wave Card are not eligible for no-interest promotional financing. However, they can still use their card for regular credit purchases and eligible equal monthly payment promotions with interest at participating merchants.
The Flexiti Wave Card is accepted at thousands of participating retail locations across Canada. Visit flexiti.com/wave-card to learn more.
* Financing is available on approved credit (O.A.C.) and is subject to the terms and conditions of the Flexiti Cardholder Agreement. Promotional financing plans, interest rates, fees, minimum purchase requirements, and eligibility vary by promotion and cardholder creditworthiness.
Equal monthly payment, deferred payment, and regular credit purchase options may not be available for all purchases or all applicants. Promotional offers are subject to change without notice and may vary by participating merchant.
Admin fees, annual fees, promotional interest rates, Account AIR, insurance premiums (if applicable), and payment obligations will be disclosed before completing your financing transaction. Certain offers are not available to residents of Quebec.
Customers approved for a Flexiti Wave Card may receive financing options that differ from those available on a standard FlexitiCard, including equal monthly payment promotions with interest and regular credit purchases.
Financing provided by Flexiti Financial Inc. Flexiti, FlexitiCard, Flexiti Wave Card, Flexiti Simply Secure, The Flexible Way to Pay™, and Flexiti Network™ are trademarks of Flexiti Financial Inc.