Benefits of KENT Financing
Apply Quickly and Securely
Submit your application for KENT Financing on any device, any time and anywhere. You’ll receive a decision
and credit amount within minutes so you can shop right away!
Budget to Cover Large Purchases
Need building or renovation supplies? Interested in replacing your appliances? With KENT Financing, you can
break up large expenses into smaller payments over time.
Buy Now and Pay Over Time
Defer you payments from 3 months to 6 month or set up minimum payments from 12 months to 18 months or equal monthly payments ranging from 36 months to 60 months.*
Choose the KENT Financing offer that works best for you
Option 1: No Payments. No Interest if Balance Paid in full*.
(3,6,12 or 18 months†)
*No Pay/Same as Cash:
- Interest will accrue on the purchase amount and annual fees from the beginning of the promotional period, but no minimum payments are required.
- However, if you pay the balance in full by the promotional period expiration date, all accrued interest will be waived and not charged on the purchase amount and annual fees.
- If you do not pay the balance in full when the promotional period expires, all accrued interest will be charged at the annual interest rate of 31.99% as shown in your Account Agreement.
| Plan Length | Availability | Min Purchase (Pre Tax) |
|---|---|---|
| 3 Months | Every Day | $199 |
| 6 Months | Every Day | $299 |
| 12 Months | Promotionally Only | $999 |
| 18 Months | Promotionally Only | $999 |
Option 2: No Interest* if Balance Paid in Full. Minimum Monthly Payments Required.
(12, 18 or 24 months†)
*Same as Cash:
- Interest will accrue on the purchase amount and annual fees from the beginning of the promotional period, and minimum payments of 3% of the balance will be due each billing cycle.
- However, if you make the required minimum payments and pay the balance in full by the promotional period expiration date, all accrued interest will be waived and not charged on the purchase amount and annual fees.
- If you do not pay the balance in full by the promotional period expiration date, all accrued interest will be charged at the annual interest rate of 31.99% as shown in your Account Agreement.
- Making only the minimum monthly payments on your account will not pay off the purchase in time to avoid interest charges.
| Plan Length | Availability | Min Purchase (Pre Tax) |
|---|---|---|
| 12 Months | Every Day | $499 |
| 18 Months | Every Day | $999 |
| 24 Months | Promotionally Only | $999 |
Option 3: Equal monthly payments with reduced interest* rate of 9.99%
(36, 48 or 60 months†)
*Equal Payments with Interest:
- A reduced interest rate of 9.99% will be charged on the purchase amount.
- The purchase amount plus interest charges is divided by the term to arrive at equal monthly payments that are due each billing cycle. Interest is precalculated and included in each monthly payment.
- Terms will be disclosed to you at the point of sale. If the minimum payment is not made when due or if a balance remains after the promotional period expires, interest will be charged at the annual interest rate of 31.99% as shown in your Account Agreement.
| Plan Length | Availability | Min Purchase (Pre Tax) |
|---|---|---|
| 36 Months | Every Day | $999 |
| 48 Months | Every Day | $1,499 |
| 60 Months | Every Day | $1,999 |
Frequently Asked Questions
A: With Fairstone’s online KENT Financing application, you can apply - anytime, anywhere and on any device - quickly and securely in 3 easy steps:
1.) Visit us in-store or online
2.) Access and complete the application
3.) Receive a decision and credit amount in minutes
A: There are four ways you can pay your account:
1.) Telephone or online banking: enter Fairstone - Retail Financing as the payee
2.) At your financial institution: in some cases, institutions will help you set up monthly recurring payments
3.) At a local Fairstone branch: Visit Fairstone.ca/branches and find a branch near you
4.) By mailing a cheque payable to Fairstone: include your account number and the payment amount on the return portion of your monthly statement and address it to:
Fairstone Financial Inc.
Attn: Payment Processing
630 René-Lévesque Blvd. W., Suite 1400 Montréal, Quebec, H3B 1S6
A: Simply register for online account management and log into your account to get updates regarding your Fairstone KENT Financing account such as monthly electronic statements, account balance, payment due date, minimum payment, and recent transaction history.
*On approved credit. An annual fee of $35, as set out in your Account Agreement, 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 Retail Credit Agreement, Disclosure Statement and the promotional plan disclosure statement (collectively the “Account Agreement”).
*KENT Financing is provided by Fairstone Financial Inc. and is subject to credit approval. Purchases made on approved credit accounts will be subject to the terms and conditions provided in account documents.
® Trademarks of Fairstone Financial Inc.
Fairstone Financial Inc. is a wholly owned subsidiary of Fairstone Bank of Canada.
