FINANCING YOUR RING

financing-rings

At Spence we work with you to make the ring purchase as financially stress free as possible. Almost any ring can be made to fit any budget. You choose the ring and price you are comfortable with. If you decide to finance your purchase, we are glad to offer a financing plan.

HOW IT WORKS

  • You fill out the application at the Spence store near you.
  • We process the application and let you know the approved amount.
  • Processing only takes 15 minutes.

OUR FINANCING OFFERS

6 and 12 Month No Interest, No Payment Plans1

  • No payments required for 6 or 12 months, depending on selected term.
  • No interest on your purchase if balance is paid in full within the term.
  • If balance not paid in full within the 6 or 12 month term, interest starts to accrue at assigned rate.

MAKE AN APPOINTMENT

O.A.C. Terms and conditions apply. See sales representative for details. Financing provided by Flexiti Financial.

  1. No payments are due on the promotional purchase until the promotional offer’s expiry date. Payment Defender premiums and taxes, if applicable are billed and payable monthly during that time. No interest accrues or is payable for the duration of the promotional term. The balance subject to the promotional offer, including unpaid applicable fees, taxes and Payment Defender premiums, is due on the promotional expiry date. If not paid as required, the applicable variable Annual Interest Rate (AIR) ranges from prime plus 27.04% and up depending on the Bank of Canada Prime Rate and credit worthiness determined at time of application. Your Prime rate is the higher of 2.95% or the “Prime business (‘prime rate’)” published on the Bank of Canada website and available at: http://www.bankofcanada.ca/rates/daily-digest/. For Quebec residents, an annual fee of $39.99 may apply.
  2. For credit extended under this promotion, no interest will accrue during the agreed promotional term. The balance of credit given under this promotion must be paid in equal monthly payments during the promotional term (including costs for Payment Defender premiums and taxes, if applicable). If payments are missed, the promotional offer may be cancelled. If the promotional offer is cancelled, interest will be payable at the variable annual interest rate ranging from prime plus 27.04% and up depending on the Bank of Canada Prime rate and upon credit worthiness determined at the time of application. Your Prime rate is the higher of 2.95% or the “Prime business (‘prime rate’)” published on the Bank of Canada website and available at: http://www.bankofcanada.ca/rates/daily-digest/. Administrative fees are payable (excluding Quebec residents) at $6.99 per month to be paid in full at time of purchase. If balance is paid before end of promotional period, admin fee is still payable for 24-month period. For Quebec residents, an annual fee of $39.99 may apply.
  3. The balance of credit given under this promotion must be paid in equal monthly payments during the promotional term (including payment of principal, interest, costs for Payment Defender premiums and taxes, if applicable). The Annual Interest Rate (AIR) is determined at the time of application based upon credit assessment and the merchant selected programs. Promotional AIR ranges from 9.99% to 19.99% during the promotional term. If payments are missed, the promotional offer may be cancelled. If the promotional offer is cancelled the AIR will increase and range from prime plus 27.04% depending on the Bank of Canada Prime rate and upon credit worthiness determined at the time of application. Your Prime rate is the higher of 2.95% or the “Prime business (‘prime rate’)” published on the Bank of Canada website and available at: http://www.bankofcanada.ca/rates/daily-digest/. Administrative fees are payable (excluding Quebec residents) starting at $49.99, for a 3-month promotional purchase of under $5,000, and increasing with promotional term and amount of purchase. For Quebec residents, an annual fee of $39.99 may apply.