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Tanguay Services

Payment and Financing

Payment Options

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You can now pay your bill online via the following financial institutions:

banques

Financing account FAQs

Questions about your financing account with Fairstone, partner of Tanguay? We’ve included answers to commonly asked questions below.

How do I access my Fairstone account details such as balance and payment due date?

What is my Fairstone account number? Where can I find it?

Will I get a monthly statement?

How can I get assistance with understanding my monthly statement?

I’m currently receiving my monthly statement in the mail. Can I request monthly electronic statements instead of printed statements?

Will I receive a plastic card in the mail from Fairstone?

Will I pay an annual fee?

How do I make payments?

When are my payments due?

Are there any penalties for paying off my account balance?

Will my account be closed after I’ve paid off my balance?

How do I close my account?

How to finance a purchase?

How do I finance a purchase at Tanguay?

Financing plans

What financing plans are offered at Tanguay?

How does the Free Financing plan work?

How does the Same as cash (with payments) financing plan work?

Click here to register or log in to get updates regarding your Fairstone financing account such as monthly electronic statements, account balance, payment due date, minimum payment, and recent transaction history.

To speak with a Fairstone agent, call 844-807-1301, Monday-Friday from 8 a.m.- 8 p.m. EST, or use Interactive Voice Response (IVR) 24 hours a day, 7 days a week.

Matching funds with interest (FRE)

Financing at Tanguay Furniture, excluding taxes and ecofees, is obtained exclusively with a Desjardins credit card or with a Tanguay-Desjardins private card. Accord D Desjardins financing for your online and in-store purchases. Subject to Accord D Desjardins credit approval.

The consumer now buys and pays in equal instalments with interest.

Legal note

Subject to approval by the Fédération des caisses Desjardins du Québec ("Desjardins"). All annual interest rates are subject to change. There are no enrolment or renewal fees associated with entering into this agreement. Purchase by equal instalments is subject to annual interest of 13.5%, calculated from the date of purchase, until paid in full. Equal monthly installments are calculated by dividing the amount financed, plus 13.5% annual interest, sales tax and EcoFee if applicable throughout the promotion period, by the number of months in the promotion; the monthly installment amount will appear on the monthly account statements sent to you upon purchase. On or before the due date indicated on the statement of account for a billing period, you must pay, in a single payment, the monthly instalment(s) for the period covered by the statement of account plus, if applicable, the other amounts included in the minimum payment due for the card, as provided for in the contract. If the monthly instalment thus due is not paid in full on its due date, annual interest of up to 19.9% will accrue on the amounts due and unpaid until they are paid in full.

The card's grace period is 21 days without interest, from the end of the billing period, to pay the full balance of the statement without being obliged to pay credit fees, except on cash advances. The minimum card payment is 2% to 5%, depending on the card, of the total of: the balance shown on the statement for the previous period; the credit charges applicable to purchases and monthly instalments outstanding at the end of that period; current purchases, cash advances and cheques for the period covered by the statement; and the credit charges on cash advances and cheques; plus : the monthly payment(s) for the period covered by the statement, the amount of deferred payment purchases due on the date of the statement, any overdue amounts and any other amounts provided for in the card contract. See the Desjardins Variable Credit Agreement available in shops for more details.

Examples of credit charges

	Annual cost		Cost for a 30 day period
Annual interest rate	Average daily balance		Cost for a 30 day period
Annual interest rate	100 $	500 $	100 $	500 $
13,5 %	13,51 $	67,55 $	1,11 $	5,55 $
19,9 %	19,90 $	99,50 $	1,64 $	8,18 $

The annual interest rate may be applicable to a current purchase, an equal instalment purchase, a deferred payment purchase, a deferred equal instalment purchase or multiple equal instalment purchases.

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.

Examples of credit charges

Pruchase amount	Annual interest rate	Cost for 30-day billing cycle	Annual cost
100$	31,99%	2,63$	31,99$
500$	31,99%	13,15$	159,95$
1 000$	31,99%	26,29$	319,90$

Deferred payment financing (DPF)

The consumer buys now and pays later without interest throughout the deferral period ("Pay later" financing).

Legal note

Subject to approval by the Fédération des caisses Desjardins du Québec ("Desjardins"). All annual interest rates are subject to change. The "Pay Later" offer allows you to pay off a deferred payment purchase with a credit card issued by Desjardins ("the card") that is interest-free for the period determined at the time of purchase. If the purchase is not paid in full when due, an annual interest rate of up to 21.9% will apply from the date the payment is due until the payment is paid in full. The payment is converted to the repayment method of a purchase in equal and consecutive instalments payable in 12 equal monthly instalments if the converted balance is less than $1,000, in 24 equal monthly instalments if the converted balance is equal to or greater than $1,000 and less than $3,000, and in 36 equal monthly instalments if the converted balance is equal to or greater than $3,000 Equal monthly payments are calculated by dividing the converted balance, plus interest of up to 21.9% for the entire period covered by the equal and consecutive installment plan and, if applicable, sales taxes and EcoFees, by the number of months in that period; the amount of the monthly payments will appear on the monthly account statements sent to you from the payment due date. On or before the due date indicated on the statement of account for a billing period, you must pay, in a single payment, the monthly instalment(s) for the period covered by the statement of account plus, if applicable, the other amounts included in the minimum payment due for the card, as provided for in the contract.

If the monthly instalment due is not paid in full by its due date, interest of up to 19.9% per annum will accrue on the outstanding amounts due until they are paid in full. The card's grace period is 21 days without interest, from the end of the billing period, to pay the full balance of the statement without being obliged to pay a credit fee, except on cash advances. The minimum card payment is 2% to 5%, depending on the card, of the total of: the balance shown on the statement for the previous period; the credit charges applicable to purchases and monthly instalments outstanding at the end of that period; the current purchases, cash advances and cheques for the period covered by the statement; and the credit charges on cash advances and cheques; plus : the monthly payment(s) for the period covered by the statement, the amount of deferred payment purchases due on the statement date, any overdue amounts and any other amounts provided for in the card agreement. Credit card available with no application or renewal fees. Details in shop.

Examples of credit charges

	Annual cost		Cost for a 30 day period
Annual interest rate	Average daily balance		Cost for a 30 day period
Annual interest rate	100 $	500 $	100 $	500 $
19,9 %	19,90 $	99,50 $	1,64 $	8,18 $
21,9 %	21,90 $	109,50 $	1,80 $	9,00 $

Financed amount	Annual interest rate	Interest for 30-day billing cycle	Annual interest cost
$100	31.99%	$2.63	$31.99
$500	31.99%	$13.15	$159.95
$1 000	31.99 %	$26.29	$319.90

Your Account

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Financing account FAQs

How to finance a purchase?

Financing plans

How does it work?

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Make sure you receive your appointment confirmation via text message and/or email.
If you do not have a phone or email address, go directly to the store at the time of your choosing. Please note that, depending on traffic, you may have to wait to be greeted at the store.

Are you sure you want to cancel
your appointment

Are you sure you want to change
your appointment

Appointment cancelled.
Schedule new appointment?

Sorry we are no longer taking appointments today,
come back tomorrow

Thank you for booking an appointment!
To validate your appointment, please
click on the validation link sent
by email or SMS