EQ3 Credit

EQ3 is a modern lifestyle brand offering custom Canadian furniture solutions for the home and office.

If your application for an EQ3 credit card is approved, you could also be eligible for discounts and incentive offers provided by EQ3, and promotional financing programs exclusively available to EQ3 credit cardholders (subject to credit approval):

Financing Options:

  • 6 months no interest, no payment promotional offer* - available on purchases up to $2500 after taxes (subject to a $42.50 Deferral Fee to EQ3 credit cardholders outside Quebec)
  • 12 months no interest, no payment promotional offer** - available on purchases over $2500 after taxes (subject to a $42.50 Deferral Fee to EQ3 credit cardholders outside Quebec)
  • 18 equal monthly payments, no interest promotional offer*** - available on purchases over $2500 after taxes

Merchant Fees applicable to promotional offer purchases outside Quebec:

  • $59 on purchases up to $2500 after taxes
  • $79 on purchases over $2500 after taxes

A $35 Annual Fee will be applied to EQ3 credit cardholders in Quebec

How to apply

Applications must be processed in person at an EQ3 retail location in Canada. Contact a store associate for details.

*6 Months No Interest, No Payment Promotional Offer:

Subject to credit approval on an EQ3 credit card. Available on purchases up to $2500 after taxes (your "Purchase"). During the promotional period that applies to your Purchase (the “Promotional Term”), no monthly payment is required and interest will not accrue on your Purchase under this Promotional Offer. The Promotional Term starts on the date of your Purchase. Payment in full of the Purchase is required by the last day of the Promotional Term (the “Promotional Due Date”). If you do not pay the Purchase in full by the end of the Promotional Term, such balance outstanding will be treated as a Regular Credit Purchase and interest will begin to accrue on the balance outstanding at the Preferred Rate of Interest of 29.90% and a minimum monthly payment will be owing and payable each month by the Payment Due Date showing on your monthly statement. The minimum payment will be the greater of 3.50% of your monthly balance outstanding or $10 (plus any past due amount, any amount over your credit limit if any and the minimum payment due for each Promotional Offer you may be participating in). For accounts outside Quebec , a Deferral Fee of $42.50 will be added to the balance outstanding at the end of the Promotional Term. Please see your EQ3 credit card Cardholder Agreement for full terms and conditions of this Promotional Offer.

**12 Months No Interest, No Payment Promotional Offer:

Subject to credit approval on an EQ3 credit card. Minimum purchase of $2500 after taxes. During the promotional period that applies to your Purchase (the “Promotional Term”), no monthly payment is required and interest will not accrue on your Purchase under this Promotional Offer. The Promotional Term starts on the date of your Purchase. Payment in full of the Purchase is required by the last day of the Promotional Term (the “Promotional Due Date”). If you do not pay the Purchase in full by the end of the Promotional Term, such balance outstanding will be treated as a Regular Credit Purchase and interest will begin to accrue on the balance outstanding at the Preferred Rate of Interest of 29.90%, and a minimum monthly payment will be owing and payable each month by the Payment Due Date showing on your monthly statement. The minimum payment will be the greater of 3.50% of your monthly balance outstanding or $10 (plus any past due amount, any amount over your credit limit if any and the minimum payment due for each Promotional Offer you may be participating in). For accounts outside Quebec , a Deferral Fee of $42.50 will be charged on added to the balance outstanding at the end of the Promotional Term. Please see your EQ3 credit card Cardholder Agreement for full terms and conditions of this Promotional Offer.

***18 Month Equal Monthly Payment With No Interest Promotional Offer:

Subject to credit approval on an EQ3 credit card. Interest will not accrue during the Promotional Term provided that you make a monthly payment on the amount of the Purchase under this Promotional Offer. Each monthly Minimum Payment is calculated by applying a special repayment factor of 5.556% to the amount of the Purchase for the 18 month Promotional Term. If during the Promotional Term you fail to make a required monthly payment, the Promotional Offer will terminate. The remaining balance owed on the Purchase under this Promotional Offer will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate is 29.90%. Please see your EQ3 credit card Cardholder Agreement for full terms and conditions of this Promotional Offer. A Merchant Fee will apply to cardholders outside Quebec in the amount of $59 on purchases up to $2500 after taxes, or $79 on purchases over $2500 after taxes.

TD Financing Services Inc. (“TDFS”) is the issuer of the EQ3 credit card. TDFS is not responsible or liable for any EQ3 percent discount or sale price offers made available to you.