Zero Interest* Program giving you a BETTER™ way to finance your travel

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Why is it Better?

As per the examples to the right of a family of 4 booking an all-inclusive trip, it clearly demonstrates the total eventual costs via different financing methods and the Z.I.P. difference.

How it Works

One Time Low Financing Fee - No Ongoing High Interest* - No Surprises

Finance your travel over 3, 6 or 12 months with Zero Percent Interest.*
Defer your payments or pay in equal monthly payments* and simply pay a one-time finance service charge.**

How Do I Qualify?

Through a simple and secure agent to consumer process, you can be qualified in a Z.I.P., making the qualification, payment and booking process a breeze.

Don’t Delay Your Dreams, Just Your Payments*!

US vs THEM - COMPARISONS:

Based on a family of four booking a one week all-inclusive vacation at $4,799, including taxes, and making twelve equal payments over a twelve month period:

VISAOther Travel Finance ProgramsZ.I.P.™
Principal - $4,799Principal - $4,799Principal - $4,799
Rate of Interest - 26%Rate of Interest - 15%Rate of Interest - 0%*
Cost of Financing - $702.39Cost of Financing - $334.60Set Finance Fee - $169.99
Monthly Payments - $458.45Monthly Payments - $427.80Monthly Payments - $414
TOTAL AMOUNT PAID - $5,501.39TOTAL AMOUNT PAID - $5,133.60TOTAL AMOUNT PAID - $4,968.99
SAVE $532.40 with Z.I.P.†SAVE $164.61 with Z.I.P.†SAVE MORE™ with Z.I.P.†
†Represented savings are between agencies.

Payments tailored to your needs

FINANCE FEE CHART FOR PURCHASES $1-$4,999

PLANTERM = MONTHSAPPLICABLE FEE
Deferred/EPP^3$69.99
Deferred/EPP^6$99.99
Deferred/EPP^12$169.99
^EPP = Equal Payment Plan

FINANCE FEE CHART FOR PURCHASES $5,000 & UP

PLANTERM = MONTHSAPPLICABLE FEE
Deferred/EPP^3$79.99
Deferred/EPP^6$159.99
Deferred/EPP^12$249.99
^EPP = Equal Payment Plan

Flexible Financing

Our Canadian financing partner, Flexiti helps power the Z.I.P. program, offering a simple, instant and more affordable way to travel.

Quick and Easy
Flexiti is 100% paperless, which means no paperwork, scanning, signing or mailing. Plus, get approved in less than 3 minutes*!

Manage Your Payments Conveniently
Make payments quickly and easily using your own online banking account.

Have questions?
Call Flexiti at 1-877-259-3745

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TERMS & CONDITIONS

*O.A.C. Subject to terms of your Flexiti cardholder agreement. Offer valid for residents of Canada (excluding Quebec). For no payments deferred plans, no payments are required during the promo period, except for payment protection insurance premiums and taxes, if applicable, which are billed monthly. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. For equal monthly payment plans, no interest will accrue during the promo period and monthly payments include premiums for payment protection insurance and fees, if applicable. If any payment is missed, the promo offer may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99%, 35% (max for Quebec residents), 36.99% and 39.99%. Any balance at the end of the promo period bears interest at the AIR. Admin fees apply and will be financed with purchase; fee amounts are based on purchase amount and promotional term length, ask a sales representative for details. Promos and terms may be changed without notice. Conditional upon ID verification and on approved credit and valid email address required. Applications may be subject to a secondary, manual review. Financing provided by Flexiti Financial. Flexiti and the Flexiti design are trademarks of Flexiti Financial Inc.

**An annual fee applies to your account in accordance with your cardholder agreement but may be waived depending on the merchant at which you applied for your account.