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Financing

Patrick Morin Financing Program

Obtain Financing for Your Purchases at Patrick Morin.

Take advantage of our financing program offered in partnership with Fairstone.

 

A Simple and Effective Way to Apply for Financing

Apply for financing anytime from your computer! To do this, go to the web.fairstone.ca/patrickmorin-ol page and complete the online form.

Get a Quick Response to Your Financing Request  

It only takes three minutes to complete your application* and one more minute to get a response! If your application is accepted by Fairstone, you will be granted a line of credit. This line of credit will be valid exclusively at Patrick Morin for a period of two years. No card will be issued. 

* Your email address must be provided when you apply for financing. Your monthly account statements and transaction slips will be sent to the email address you provided on your application. 

 

Take advantage of an interest-free financing plan if the balance of your purchase is paid in full at the end of the term and the minimum monthly payments have been made.**

  • Term: 6 months.
  • Minimum monthly payments of 5% of the total purchase amount.
  • Capital repayment authorized at any time without penalty.
  • Please note that only making monthly minimum payments will not pay off the purchase at term and will not allow you to avoid finance charges.

 

Annual Fees

You will be charged an annual fee of $35 by Fairstone on your first account statement and on the anniversary of your account opening thereafter, if there is a balance owing. No annual fee will be charged if you have no balance to pay. 

 

Questions?

If you have any questions regarding your line of credit or financing plan, please contact Fairstone by calling 1-888-638-2274 or by chat from Fairstone Homepage. 

Fairstone Customer Service hours are Monday through Friday 8:00 a.m. to 8:00 p.m. and Saturday and Sunday 8:00 a.m. to 8:00 p.m. except December 25.

Do not hesitate to also consult our Frequently Asked Questions (FAQ) section.

 

**On credit approval. Financing is provided by Fairstone and is subject to all terms and conditions of your Cardholder Agreement and Promotional Credit Program Disclosure Document (collectively the “Account Agreement”). You will be charged an annual fee of $35 by Fairstone on your first account statement and on the anniversary of your account opening thereafter, as long as there is a balance owing. No annual fee will be charged if you have no balance to pay. Finance charges will accrue on the purchase from the start of the promotional credit period. Minimum payments of 5% of the account balance will be required each billing cycle. However, if you make the required minimum payments and clear the full balance of your purchase before the expiration date of the promotional credit period, all accrued finance charges will be waived and will not be applied to the purchase. However, if the full purchase price is not paid by the expiration date of the promotional credit period, any finance charges accrued will be charged to your account. Please note that only making monthly minimum payments will not pay off the purchase at term and will not allow you to avoid finance charges. In the event of cancellation or upon expiry of the promotional credit plan, the interest rate indicated in your account agreement as well as the terms of the credit agreement will apply to any balance due. For more information, see the account agreement or ask an advisor in store.

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