Financing

At Spence we offer a range of flexible financing plans to make your 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 range of financing plans.

We’ve partnered with Fairstone to offer you flexible payment options. Defer your payments and then make manageable payments over time. Interested? Find out if you’re approved for financing anywhere, anytime and on any device

Here’s how it works:
1. Apply anywhere, anytime: Start the application online or in-store. Visit https://web.fairstone.ca/spencediamonds-ol.
2. Complete the application: Enter a few simple details so we can find the right financing option for you
3. Finance your purchase: Visit us in-store to verify your ID and finance your purchase as soon as today

For customers with an existing customer financing account with Flexiti – visit us in store for more details.

 

Fairstone Financing Plans

No Payment/Same as cash

Make No Payments for 6 Months!*
*On approved credit. A $21 annual membership fee 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 cardholder agreement and the credit promotional plan disclosure statement (collectively the “Account Agreement”). Finance Charges will accrue on the purchase from the beginning of the credit promotional period of 6 months, but no minimum payments will be due during the credit promotional period. However, if you pay the purchase price in full by the expiration date of the credit promotional period, all of the accrued Finance Charges will be waived and no Finance Charges will be assessed on the purchase. Otherwise, if you choose to not pay the purchase price in full by the expiration date of the credit promotional period, all of the accrued Finance Charges will be assessed at that time.
On termination or expiry of the credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard APR of 29.99% and the terms of the Regular Credit Plan will apply to all outstanding balances owing. Certain terms and conditions apply. Speak to a store associate for further information.

Make No Payments for 12 Months!*
*On approved credit. A $21 annual membership fee 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 cardholder agreement and the credit promotional plan disclosure statement (collectively the “Account Agreement”). Finance Charges will accrue on the purchase from the beginning of the credit promotional period of 12 months, but no minimum payments will be due during the credit promotional period. However, if you pay the purchase price in full by the expiration date of the credit promotional period, all of the accrued Finance Charges will be waived and no Finance Charges will be assessed on the purchase. Otherwise, if you choose to not pay the purchase price in full by the expiration date of the credit promotional period, all of the accrued Finance Charges will be assessed at that time.
On termination or expiry of the credit promotional plan (or for purchases that are not part of the credit promotional plan), the standard APR of 29.99% and the terms of the Regular Credit Plan will apply to all outstanding balances owing. Certain terms and conditions apply. Speak to a store associate for further information.