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Offers in effect from Thursday, June 23th, until Wednesday, July 6th, 2022. Limited quantity on certain items. Applies to in-stock products only. These offers cannot be combined with any other promotion. Selected brands and models. **Contactless delivery available. See conditions on economax.com. EconoMax is in no way responsible for late deliveries due to a major disaster or other unforeseen circumstances that make delivery excessively difficult or impossible for EconoMax. EconoMax is not responsible for setbacks such as delays by suppliers, Canada Post, out-of-stock, harsh weather conditions or incomplete orders, etc. In such cases, the expected delivery date could be postponed. ***See details in store or on economax.com
*Terms and conditions of the “equal monthly payments” financing program and important information regarding the credit terms: Subject to the approval of the Fédération des caisses Desjardins du Québec (“Desjardins”). All annual interest rates indicated are subject to change.There are no membership or renewal fees to pay when signing this contract. The equal monthly payments program is subject to an annual interest rate of 13.5% and interest is calculated from the date of purchase to the date the account has been paid in full. The equal monthly payments are calculated by dividing the financed amount – plus 13.5% annual interest charges, sales taxes and Eco-Fees, if applicable, throughout the duration of the promotion – by the number of months covered by the promotion. The amount of the monthly payments shall appear on the monthly statements of account issued to you as of the purchase. No later than by the due date indicated on the statement of account covering an invoicing period, you will be required to make a single payment covering the monthly installment(s) payable for the period covered by the statement of account, plus, if applicable, all other amounts included in the minimum payment due for the Card, as per the contract. If the required monthly payment is not paid in full by the due date, interest will be calculated at the rate of no more than 19,9% annually on all outstanding amounts until the outstanding amounts have been paid in full. The Card’s grace period is 21 days, without interest, from the end of the billing period, to pay the full statement balance without having to pay any credit charges, except on cash advances. The minimum payment of the Card is between 2% to 5%, depending on the Card, of the total: of the balance shown on the statement for the previous period, the credit charges on purchases and monthly installments that have not been paid on the due date for the current period, regular purchases, cash advances and cheques during the period covered by the statement and credit charges on cash advances and cheques, to which are added: the monthly payment(s) for the statement period, deferred payment purchases due on the statement date, past due amounts and any other amounts provided for in the Card contract. Refer to the Desjardins Contract extending variable credit in store for details.
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If your daily average outstanding is: | Interest rate: | The interest charges for a 30-day period are: |
$100 | 13,5% | $1,11 |
$500 | 13,5% | $5,55 |
$1,000 | 13,5% | $11,10 |
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If your daily average outstanding is: | Interest rate: | The interest charges for a 30-day period are: |
$100 | 19,9% | $1,64 |
$500 | 19,9% | $8,18 |
$1,000 | 19,9% | $16,36 |
1. Equal Monthly Payments With Interest Financing (Reduced rate)
On approved credit. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement and Disclosure Statement (collectively the “Account Agreement”). Under this plan, a reduced rate credit charge of 13.99% will be charged on the purchase. The amount of the purchase, plus credit charges as calculated, is divided by the term to arrive at equal monthly payments which will be due each billing cycle on the due date, and constitute the minimum payment due each month. Interest is pre-calculated and included in each monthly payment. If the minimum payment is not made when due or if a balance remains after the promotional period expires, credit charges will be assessed at the standard annual credit rate of 31.99% as provided for as shown in your Retail Credit Agreement and Disclosure Statement. The grace period to make the minimum payment or pay the new balance is 21 days. The minimum payment due includes (i) the minimum payment under the applicable credit plan and, if applicable (ii) past due amounts, minimum payments on all other charges, minimum payments on credit insurance premiums and any credit limit overage amounts. Each Account Statement covers a billing period of approximately 30 days. No adhesion fee. See the Account Agreement for more information.
Purchase |
Interest rate |
Monthly payments |
|
12 months | 24 months | ||
$1000 | 13,99% | $89,78 |
$48,01 |
$2000 | 13,99% |
$179,56 |
$96,02 |
$3000 |
13,99% |
$269,35 |
$144,02 |
2. Equal monthly payments without interest financing
On approved credit. An annual adhesion fee of $35, as set out in your Account Agreement, will be charged to your Account for all plan with a 12-month term or more. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement and Disclosure Statement and the promotional plan disclosure statement (collectively the “Account Agreement”). Under this plan, credit charges will not accrue on the purchase during the promotional period if the required minimum payment is made each billing cycle during the promotional period when due. The purchase price is divided by the number of months in the promotional period to determine equal monthly payments to be made during the promotional period. If the minimum payment is not made when due or if a balance remains after the promotional period expires, credit charges will be assessed at the standard annual interest rate of 31.99%, as set out in your Account Agreement. The terms of this credit promotional plan will terminate if you default under your Account Agreement. On termination or expiry of the promotional plan (or for purchases that are not part of the credit promotional plan), the annual standard credit rate of 31.99%, as set out in your Account Agreement, and the terms of the regular credit plan will apply to all outstanding balances owing. The grace period to make the minimum payment or pay the new balance is 21 days. The minimum payment due includes (i) the minimum payment under the applicable credit plan and, if applicable (ii) past due amounts, minimum payments on all other charges, minimum payments on credit insurance premiums and any credit limit overage amounts. Each Account Statement covers a billing period of approximately 30 days. See the Account Agreement for more information.
EXAMPLE OF CREDIT CHARGES |
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Purchase amount |
Annual interest rate |
Cost for 30-day |
Annual cost |
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$100 | 31.99% | $2.63 |
$31.99 |
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$500 |
31.99% |
$13.15 |
$159.95 |
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$1000 |
31.99% |
$26.29 |
$319.90 |
3. Payable in 3 months (No interest – No payment)
On approved credit. Financing is provided by Fairstone Financial Inc. and is subject to all the terms and conditions in your Retail Credit Agreement and Disclosure Statement and the promotional plan disclosure statement (collectively the “Account Agreement”). Under this plan, no credit charges will accrue, and no minimum payment will be due on the purchase during the promotional plan period. After the end of the promotional period, a minimum payment of 5% of the balance, or $10 (whichever amount is the highest), will be due each billing cycle on the due date. If the minimum payment is not made when due or if a balance remains after the promotional period expires, credit charges will be accounted for at the standard annual interest rate of 31.99%, as set out in your Account Agreement. The terms of this promotional plan will terminate if you default under your Account Agreement. On termination or expiry of the credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard credit rate of 31.99% as set out in your Account Agreement and the terms of the Regular Credit Plan will apply to all outstanding balances owing. The grace period to make the minimum payment or pay the new balance is 21 days. The minimum payment due includes (i) the minimum payment under the applicable credit plan and, if applicable (ii) past due amounts, minimum payments on all other charges, minimum payments on credit insurance premiums and any credit limit overage amounts. Each Account Statement covers a billing period of approximately 30 days. No adhesion fee. See the Account Agreement for more information.
EXAMPLE OF CREDIT CHARGES |
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Purchase amount |
Annual interest rate |
Cost for 30-day |
Annual cost |
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$100 | 31.99% | $2.63 |
$31.99 |
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$500 |
31.99% |
$13.15 |
$159.95 |
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$1000 |
31.99% |
$26.29 |
$319.90 |