KENT Financing

We offer financing options for our consumers and business customers.

Financing Plans

buy now, pay later | 15 months

Buy Now, Pay Later 15 Months: On approved credit. A $21 annual membership fee may be charged to your Account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and issubject to all the terms and conditions in your cardholder agreement and the credit promotional plan disclosure statement (collectively the “Account Agreement”). Finance Charges will accrue on the purchase from the beginning of the credit promotional period of 15 months, but no minimum payments will be due during the credit promotional period. However, if you pay the purchase price in full by the expiration date of the credit promotional period, all of the accrued Finance Charges will be waived and no Finance Charges will be assessed on the purchase. Otherwise, if you choose to not pay the purchase price in full by the expiration date of the credit promotional period, all of the accrued Finance Charges will be assessed at that time. On termination or expiry of the credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard APR of 31.99% and the terms of the Regular Credit Plan will apply to all outstanding balances owing. This offer is valid for a limited time and cannot be used for previous purchases and cannot be combined with any other offers, promotions or special incentive programs. Certain terms and conditions apply. See store and Account Agreement for further information. Offer valid until October 6th, 2021.

Regular Revolving
A Plan where no minimum purchase will be required. Interest will accrue at a standard APR of 31.99%
REGULAR REVOLVING

Available every day

*On approved credit. A $21 annual membership fee may be charged to your Account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your cardholder agreement and the credit promotional plan disclosure statement (collectively the “Account Agreement”). Finance Charges will accrue, and minimum payments will be due each billing cycle. On termination or expiry of the credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard APR of 31.99% and the terms of the Regular Credit Plan will apply to all outstanding balances owing. This offer is valid up to the end of the promotional period , cannot be used for previous purchases and cannot be combined with any other offers, promotions or special incentive programs. Certain terms and conditions apply. See store and Account Agreement for further information.

 

No Payments Same as Cash
A Plan where no minimum payment will be due on the purchase during the promotional period. Finance charges will accrue on the purchase from the beginning of the promotional period.
6 MONTHS NO PAYMENTS - SAME AS CASH

Available every day on purchases over $299

*On approved credit. A $21 annual membership fee may be charged to your Account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your cardholder agreement and the credit promotional plan disclosure statement (collectively the “Account Agreement”). Finance Charges will accrue on the purchase from the beginning of the credit promotional period of 6 months, but no minimum payments will be due during the credit promotional period. However, if you pay the purchase price in full by the expiration date of the credit promotional period, all of the accrued Finance Charges will be waived and no Finance Charges will be assessed on the purchase. Otherwise, if you choose to not pay the purchase price in full by the expiration date of the credit promotional period, all of the accrued Finance Charges will be assessed at that time.

On termination or expiry of the credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard APR of 31.99% and the terms of the Regular Credit Plan will apply to all outstanding balances owing. This offer is valid up to the end of the promotional period, cannot be used for previous purchases and cannot be combined with any other offers, promotions or special incentive programs. Certain terms and conditions apply. See store and Account Agreement for further information.

 

12 MONTHS NO PAYMENTS - SAME AS CASH

Available every day on purchases over $1,000

*On approved credit. A $21 annual membership fee may be charged to your Account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your cardholder agreement and the credit promotional plan disclosure statement (collectively the “Account Agreement”). Finance Charges will accrue on the purchase from the beginning of the credit promotional period of 12 months, but no minimum payments will be due during the credit promotional period. However, if you pay the purchase price in full by the expiration date of the credit promotional period, all of the accrued Finance Charges will be waived and no Finance Charges will be assessed on the purchase. Otherwise, if you choose to not pay the purchase price in full by the expiration date of the credit promotional period, all of the accrued Finance Charges will be assessed at that time.

On termination or expiry of the credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard APR of 31.99% and the terms of the Regular Credit Plan will apply to all outstanding balances owing. This offer is valid up to the end of the promotional period , cannot be used for previous purchases and cannot be combined with any other offers, promotions or special incentive programs. Certain terms and conditions apply. See store and Account Agreement for further information.

 

Low APR with Payments
13.5% Reduced rate of interest accrues from the date of purchase during the length of the promotional period. Minimum equal monthly payments will be due each billing cycle. The low APR of 13.5% will apply to the outstanding balance.
12 MONTHS LOW APR WITH PAYMENTS

Available every day on purchases over $299

*On approved credit. A $21 annual membership fee may be charged to your Account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your cardholder agreement and the credit promotional plan disclosure statement (collectively the “Account Agreement”). Interest accrues from the date of purchase during the length of the promotional period. Minimum payments will be due each billing cycle. The annual percentage rate (APR) of 13.5% will apply to the outstanding balance, and is subject to change. On termination or expiry of the credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard APR of 31.99% and the terms of the Regular Credit Plan will apply to all outstanding balances owing. This offer is valid up to the end of the promotional period , cannot be used for previous purchases and cannot be combined with any other offers, promotions or special incentive programs. Certain terms and conditions apply. See store and Account Agreement for further information.

 

24 MONTHS LOW APR WITH PAYMENTS ON INSTALL PURCHASES

Only Available on Installed Purchases over $1,000

*On approved credit. A $21 annual membership fee may be charged to your Account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your cardholder agreement and the credit promotional plan disclosure statement (collectively the “Account Agreement”). Interest accrues from the date of purchase during the length of the promotional period. Minimum payments will be due each billing cycle. The annual percentage rate (APR) of 13.5% will apply to the outstanding balance, and is subject to change. On termination or expiry of the credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard APR of 31.99% and the terms of the Regular Credit Plan will apply to all outstanding balances owing. This offer is valid up to the end of the promotional period, cannot be used for previous purchases and cannot be combined with any other offers, promotions or special incentive programs. Certain terms and conditions apply. See store and Account Agreement for further information.

 


How to make payments
No Payments will be accepted at a Kent store
PAY AT YOUR BANK

Kent Financing payments can be made at your local bank by selecting “Fairstone-Credit Cards” as the payee.

 

PAY BY ONLINE BANKING

Payments can be made online via online banking with the payee “Fairstone-Credit Cards”

 

PAY AT A FAIRSTONE BRANCH

Pay at your local Fairstone branch. Atlantic Canada is home to 37 conveniently Located Fairstone branches. To find your branch please visit https://www.fairstone.ca/branchlocations

 

PAY BY CHEQUE

Local Mailed payments

You can mail your cheque to your local branch. Be sure to send your payment 3–5 business days before the payment is due to ensure it arrives on time. Customers should be sure to include their name and account number when mailing a cheque.
You can find your local branch at https://www.fairstone.ca/branchlocations

Mailed payments
Cheques can also be mailed to the Fairstone Office in Ontario. Customers should be sure to include their name and account number when mailing a cheque.
Mailing Address:
Fairstone Financial inc.
630 RENÉ LÉVESQUE BLVD. W. SUITE 1400
MONTRÉAL, QC H3B 4Z9

 


Contact Information and FAQ
CONTACT INFORMATION

Customer Services
1-888-638-2274
Monday - Friday | 9am -9pm Atlantic Time

 

  • Customer / Billing inquiries
  • Increasing credit limit
  • Account changes
  • Credit decisions
  • Authorization requests

 

FAQ

Who is the new Kent Financing partner?

Partnering with Fairstone Financial we are able to offer financing plans from 6 to 24 months.

How can I apply for Kent Financing?

Signing-up for Kent Financing is quick and easy. Click the here or at the customer service desk.

What can I expect with Kent Financing?

With Kent Financing, you can expect exclusive financing options and the flexibility to purchase what you want, when you want.

Will I have to pay a Financing Administration Fee?

A $21 Annual membership fee will be charged to approved customers. This membership fee will allow customers to take advantage of our every day and promotional financing plans.

Can I share my Kent Financing Card

Kent Financing Cards cannot have more than one authorized user due to security reasons.

How can I manage my Kent Financing Account?

Simply call Fairstone Customer Care 1-888-638-2274.

How can I make payments on my Kent Financing Account?

Payments can be made at a bank, via online banking, at a Fairstone branch or by cheque.

When will I owe payments?

Kent Financing payments are flexible. Pay monthly or based on your plan.

I just signed up for a Kent Financing Plan when will I receive the card?

Your Kent Financing Card will arrive via mail in 10-14 business days. Until then feel free to use your card number given at the time of approval. After approval visit the customer service counter at your local Kent to activate your account.

What’s the difference between Kent Financing and an in-house account?

With an in-house account you must pay off your balance in full every 30 days. With Kent Financing you can choose the plan that best fits your budget with payment options from 6 to 24 months.

 

Cards Acquired prior to July 2019
FLEXITI INFORMATION

Cards opened prior to July 2019 are no longer active
In June 2018, Flexiti Financial purchased all Kent card accounts from TD Financing Services. In an effort to better serve our customers, Kent has terminated its contract with Flexiti effective March 29th, 2019, and is currently sourcing a new financing provider. This means you will no longer be able to process any transactions including purchases, refunds, and instore payments. For any refunds after March 29, the refunded amount will only be paid out to a Debit Card or by Cash, provided there is a valid receipt for the original transaction. If there is no receipt, we will use our existing refund policy and provide Kent Gift Cards.

If you have a balance on your TD/ Flexiti Kent Card
All Kent Card acquired prior to July 2019 are provided by Flexiti. If you have a balance on your account, any amount due is now payable to Flexiti. Payments already sent to TD Financing Services will be automatically forwarded to Flexiti on your behalf. Any no interest no payment plans you currently have active will be honoured until it is paid off in full. Payments on your card can no longer be processed at a Kent store. Payments can be made via online banking to FLEXITI FINANCIAL or by cheque to P.O. Box 340, Orangeville, ON L9W 2Z7. When making payment by cheque you must indicate the account number. For help with making payments, please call 1-877-259-3745.

 

FAQ

I already have a Kent Card, can I use it again?

Kent Cards activated before July 2019 can not be used in any Kent location. In June 2018, Flexiti Financial purchased all Kent card accounts from TD Financing Services. In an effort to better serve our customers, Kent has terminated its contract with Flexiti effective March 29th, 2019. This means you will no longer be able to process any transactions including purchases, refunds, and in-store payments.

Can I make payments on my old Kent Card at Kent now?

Payments cannot be made at Kent for Kent Cards, they must be paid to Flexiti by one of the below methods. Payments can be made via online banking to FLEXITI FINANCIAL or by cheque to P.O. Box 340, Orangeville, ON L9W 2Z7. When making payment by cheque you must indicate the account number. For help with making payments, please call 1-877-259-3745.

Should you have any questions about the transition, please reach out to Flexiti by phone or email.
Call 1-877-259-3745 or email Flexiti at service@flexiti.com