Financing at Stereo+

In-store payment method
To facilitate your in-store transactions, we accept Interact, VISA, MasterCard, and Accord D (upon approval by the Visa Desjardins credit bureau). You can also pay using a Stereo+ gift card

Equal monthly payments
Accord D monthly payments are automatically transferred each month from your Accord D financing balance to your current Desjardins credit card balance. This means that when you pay the minimum payment due on your account, you also pay the Accord D monthly payments.

Deferred payment
The payment for this "buy now and pay later" plan is made separately from the monthly payment and must be made directly on the plan that is coming due. A reminder notice asking you to pay the full balance of your financing is sent with the statement of account between 30 and 59 days before the financing plan expires.

Deferred principal payment
"Buy now and pay off your purchase in equal monthly instalments after a grace period" financing plan.
Accord D monthly payments are automatically transferred each month from your Accord D financing balance to your current Desjardins credit card balance. During the deferred principal payment period, only the interest charges are billed monthly. After this period, the monthly payments will include the principal and interest charges. Thus, by paying the minimum payment due on your account, you also pay the Accord D monthly payments.

Principal remittance
The payment applied directly to the financing plan consists of a principal remittance (partial or total in the case of the deferred payment plan) and does not, under any circumstances, release the payment of the Accord D monthly instalment that is included in the minimum payment due each month.

In the case of equal instalment financing and deferred capital payment financing, a capital remission therefore represents an additional payment (distinct from the Accord D monthly instalment) that may be made at any time to pay off all or part of the balance of the financing before the due date.

A capital remittance or a payment applied directly to the financing plan before the due date does not entail any penalty for the holder, regardless of the payment method chosen.

Payment methods
You can pay your Desjardins credit card account and Accord D financing plans :

• at an ATM of any financial institution that accepts Desjardins credit card payments (except for capital rebates)
• at a Desjardins caisse counter
• by authorized payment (except for capital rebates)
• by mail to Desjardins Card Services, P.O. Box 8601, Station Centre-ville, Montréal (QC), H3C 3V2 (with appropriate coupon)
• by AccèsD Internet and AccèsD Telephone.

Desjardins caisse members can also make their payments at a Desjardins ATM.

Financing with Flexiti
*On approved credit with your FlexitiCard. For interest-free equal monthly payment plans, no interest will accrue during the promotional period. Your purchase amount will be paid in equal monthly installments, plus payment protection premiums and taxes, if applicable. For interest-bearing equal monthly payment plans, the annual interest rate applicable to the promotional period will be disclosed prior to the completion of the transaction. The amount of your purchase will be paid in equal monthly installments including principal, interest, payment protection premiums and taxes, if applicable. For all plans, the promotion may be cancelled if you fail to make a payment. In the event of cancellation, interest will be calculated at the annual interest rate set out in the Cardholder Agreement (AIR) applicable to the account. For deferred plans, the greater of 5% of the outstanding balance plus payment protection premiums and applicable taxes or 10 $ will be payable monthly. Interest based on the AIR applicable to the account will accrue during the promotional period and will be charged if the balance is not paid in full by the promotional expiry date. Deferred payment plans are not available to Quebec residents. The initial AIR applicable to the account will be disclosed at the time of approval, will vary depending on the creditworthiness of the cardholder at the time of application and will not exceed RBC Prime + 33.29% (35% for Quebec residents). An annual fee of 39.99 $ applies to Quebec residents, and a fee of 24.99 $ may apply to residents of other provinces. Any unpaid balance at the end of the promotional period will bear interest at the AIR applicable to the account. Promotions and terms are subject to change without notice. Subject to identity verification and credit approval. A valid email address is required. Applications may be subject to secondary manual review. Financing provided by Flexiti Financial. Flexiti, FlexitiCard and Flexiti Financial are trademarks of Flexiti Financial Inc.