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Dell Financial Services

Dell Financial Services

Financing Solutions

Discover your purchasing power with Installment Loan financing options

  • Available on a 12, 24, 36 or 48 month term (Promos only available on 48 month term)
  • Purchases over CAD $199 are eligible (inclusive of taxes)
  • Payments begin approximately 1 month after all equipment ships
  • Customer owns the equipment
  • Risk-based pricing – interest rates range between 13.99% – 28.99%
  • Able to make additional payments to pay off the loan before term ends (on payment date, may also schedule up to 6 future payments at a time)
  • Payments are scheduled via pre-authorized debit from a chequing account

Available in a signatureless option:
  • All provinces except Quebec – terms and conditions are disclosed and customer provides a 6-9 character alpha-numeric passcode that acts as a signature once they agree to the terms and conditions.
  • Residents of province of Quebec – Financing not available in Quebec.

3 Easy steps to apply during checkout

3 Easy steps to apply during checkout

Promotions

Promotions

No interest for 6 months on Dell PC purchases CAD $399 or more.
Limited-time offer for qualified customers using 48-month Installment Loan. Other conditions apply.

No interest for 6 months on Dell PC purchases (“No Interest Offer”), with a minimum transaction amount of CAD $399, subject to certain conditions. Offered by Dell Financial Services Canada Limited on approved credit to eligible customers. No Interest Offer only available to customers outside Quebec who enter into a 48-month Consumer Installment Loan (“Loan”) for qualifying purchases from Dell until January 28, 2021, 10 pm EST. The no interest period starts on the day Dell ships the products to you (the “Start Date”) and ends 6 months after that date (“No Interest Period”). To take advantage of the No Interest Offer, you MUST (1) pay the full balance before the end of the No Interest Period; AND (2) pay all monthly payments due before the end of the No Interest Period by their payment due dates. If you do not meet either of these conditions, you will be charged interest at the Annual Percentage Rate (APR) assigned to your Loan, accrued and calculated daily from the Start Date. APR range is 13.99% to 28.99%. We will determine the APR assigned to your Loan based on our assessment of your creditworthiness. You may arrange a full payout by calling Dell at the number provided with your Agreement. To apply for financing, choose Dell Financial Services as your payment method at Checkout, contact Dell at 1-866-640- 3355 or chat real-time with a Dell expert online at https://dell.ca/chat. Financing not available in Quebec.

Promotions

No interest for 12 months on Dell PC purchases CAD $799 or more.
Limited-time offer for qualified customers using 48-month Installment Loan. Other conditions apply.

No interest for 12 months on Dell PC purchases (“No Interest Offer”), with a minimum transaction amount of CAD $799, subject to certain conditions. Offered by Dell Financial Services Canada Limited on approved credit to eligible customers. No Interest Offer only available to customers outside Quebec who enter into a 48-month Consumer Installment Loan (“Loan”) for qualifying purchases from Dell until January 28, 2021, 10 pm EST. The no interest period starts on the day Dell ships the products to you (the “Start Date”) and ends 12 months after that date (“No Interest Period”). To take advantage of the No Interest Offer, you MUST (1) pay the full balance before the end of the No Interest Period; AND (2) pay all monthly payments due before the end of the No Interest Period by their payment due dates. If you do not meet either of these conditions, you will be charged interest at the Annual Percentage Rate (APR) assigned to your Loan, accrued and calculated daily from the Start Date. APR range is 13.99% to 28.99%. We will determine the APR assigned to your Loan based on our assessment of your creditworthiness. You may arrange a full payout by calling Dell at the number provided with your Agreement. To apply for financing, choose Dell Financial Services as your payment method at Checkout, contact Dell at 1-866-640- 3355 or chat real-time with a Dell expert online at https://dell.ca/chat. Financing not available in Quebec.

Promotions

No interest for 12 months on Alienware PCs.
Limited-time offer for qualified customers using 48-month Installment Loan. Other conditions apply.

No interest for 12 months on Alienware PCs (“No Interest Offer”), subject to certain conditions. Offered by Dell Financial Services Canada Limited on approved credit to eligible customers. No Interest Offer only available to customers outside Quebec who enter into a 48-month Consumer Installment Loan (“Loan”) for qualifying Alienware PC purchases from Dell until December 31, 2020, 10 pm EST. The no interest period starts on the day Dell ships the products to you (the “Start Date”) and ends 12 months after that date (“No Interest Period”). To take advantage of the No Interest Offer, you MUST (1) pay the full balance before the end of the No Interest Period; AND (2) pay all monthly payments due before the end of the No Interest Period by their payment due dates. If you do not meet either of these conditions, you will be charged interest at the Annual Percentage Rate (APR) assigned to your Loan, accrued and calculated daily from the Start Date. APR range is 13.99% to 28.99%. We will determine the APR assigned to your Loan based on our assessment of your creditworthiness. You may arrange a full payout by calling Dell at the number provided with your Agreement. To apply for financing, choose Dell Financial Services as your payment method at Checkout, contact Dell at 1-866-640- 3355 or chat real-time with a Dell expert online at https://dell.ca/chat. Financing not available in Quebec.

Promotions

No interest for 12 months on XPS PCs.
Limited-time offer for qualified customers using 48-month Installment Loan. Other conditions apply.

No interest for 12 months on XPS PCs (“No Interest Offer”), subject to certain conditions. Offered by Dell Financial Services Canada Limited on approved credit to eligible customers. No Interest Offer only available to customers outside Quebec who enter into a 48-month Consumer Installment Loan (“Loan”) for qualifying XPS PC purchases from Dell until December 31, 2020, 10 pm EST. The no interest period starts on the day Dell ships the products to you (the “Start Date”) and ends 12 months after that date (“No Interest Period”). To take advantage of the No Interest Offer, you MUST (1) pay the full balance before the end of the No Interest Period; AND (2) pay all monthly payments due before the end of the No Interest Period by their payment due dates. If you do not meet either of these conditions, you will be charged interest at the Annual Percentage Rate (APR) assigned to your Loan, accrued and calculated daily from the Start Date. APR range is 13.99% to 28.99%. We will determine the APR assigned to your Loan based on our assessment of your creditworthiness. You may arrange a full payout by calling Dell at the number provided with your Agreement. To apply for financing, choose Dell Financial Services as your payment method at Checkout, contact Dell at 1-866-640- 3355 or chat real-time with a Dell expert online at https://dell.ca/chat. Financing not available in Quebec.

Promotions

No interest for 12 months on Dell PC purchases CAD $699 or more.
Limited-time offer for qualified Dell Rewards customers using 48-month Consumer Installment Loan. Other conditions apply.

No interest for 12 months on Dell PC purchases (“No Interest Offer”), with a minimum transaction amount of CAD $699, subject to certain conditions. Offered by Dell Financial Services Canada Limited on approved credit to eligible customers enrolled in the Dell Rewards Loyalty Program. Only available to customers outside Quebec who enter into a 48-month Consumer Installment Loan (“Loan”) for qualifying purchases from Dell until January 28, 2021, 10 pm EST. The no interest period starts on the day Dell ships the products to you (the “Start Date”) and ends 12 months after that date (“No Interest Period”). To take advantage of the No Interest Offer, you MUST (1) pay the full balance before the end of the No Interest Period; AND (2) pay all monthly payments due before the end of the No Interest Period by their payment due dates. If you do not meet either of these conditions, you will be charged interest at the Annual Percentage Rate (APR) assigned to your Loan, accrued and calculated daily from the Start Date. You may arrange a full payout by calling Dell at the number provided with your Agreement. APR range is 13.99% to 28.99%. We will determine the APR assigned to your Loan based on our assessment of your creditworthiness. To apply for financing, choose Dell Financial Services as your payment method at Checkout, contact Dell at 1-866-640- 3355 or chat real-time with a Dell expert online at https://dell.ca/chat. Financing not available in Quebec.

FAQs

What is the Installment Loan?
The Installment Loan is a loan which enables you to enjoy your Dell purchases by making 12, 24, 36 or 48 equal monthly payments, conveniently through our pre-authorized payment plan. Financing not available in Quebec.

What are the available interest rates?
Interest rates are determined by the Lender, Dell Financial Services Canada, based on its credit underwriting guidelines and depending on your creditworthiness, as determined by Lender in its sole discretion. For the Installment Loan, available interest rates are 13.99%, 16.99%, 18.99%, 21.99%, 26.99% and 28.99%.

How do I make my monthly payments on the Installment Loan?
By using chequing or savings account details you provide to us, convenient payments will be auto debited from your account on a monthly basis.

When is my first payment due on the Installment Loan?
The first payment will be automatically deducted from your bank account approximately 1 month after your entire order is shipped.

Why does Dell Financial Services ask for my SIN number?
To complete your financing quickly and efficiently, your SIN number, together with other personal information provided to us by you, is used by Dell Financial Services to access your credit bureau information. SIN numbers are unique. Therefore, a SIN number increases the likelihood we obtain your personal credit file when we place a request to credit reporting agencies.

Am I required to provide my SIN number to Dell Financial Services when I apply for credit?
You are under no obligation to provide your SIN. If you choose not to provide your SIN, Dell Financial Services can still access your credit bureau information but you will need to be prepared to provide Dell Financial Services with other personal information such as a major credit card number and your date of birth.

Why do I have to have the same Bill-to and Ship-to addresses on my order?
To ensure a timely execution of your financing order, the same bill-to and ship-to addresses must be on the order. By having this, it protects you from fraud as well as ensures you will receive the equipment you ordered.

What happens to my order if I am not approved for financing?
Should your order not be approved for financing, you will receive such a message shortly after your credit application is submitted. At this point you will be routed to choose another payment option or you may contact Dell for further assistance.

Why don’t I see an option to pay for a purchase using my Dell Preferred Account (DPA)?
The Dell Preferred Account, a revolving line of credit, is no longer available to new customers. If you already have a DPA, you will no longer be able to pay for new purchases with this account. You will need to pay all remaining balances on your Dell Preferred Account per your statement. You will continue to have the option to finance your Dell purchases on an Installment Loan.

Credit Report

What is a Credit Report?
A credit report, or credit history, is a report of the information maintained in your credit file by a consumer reporting company that could be provided in a consumer report to a third party, such as a lender.

Credit Report Information
The typical consumer credit report includes four types of information:
  • Personal Information - including your name, current and previous addresses, telephone number, social insurance number, date of birth and employment history.
  • Public record information - includes bankruptcy claims, unpaid tax liens and overdue child support payments. This information can remain on your record for up to 15 years.
  • Account summaries - includes account information, such as the date opened, credit limit, balance, payment patterns, and cosigners. Positive credit information may remain on your report indefinitely, while most negative information remains up to seven years.
  • Credit inquiries - shows who has requested your credit information, includes the date of the request and how long the request will remain on your report.

What Information is Not in Your Credit Report?
The following information is not reported or collected as part of your credit report:
  • Race, religion, medical history, personal lifestyle, political preferences, friends, criminal record.
  • Checking and savings account information

Get a Copy of Your Credit Report
You are entitled to receive a free copy of your credit report from a consumer reporting company under Federal law and the laws of various provinces/territories.

You can request this free credit report from any of the 3 nationwide consumer credit reporting companies, Equifax, Experian and TransUnion.

Reviewing your Credit Report
You should review your credit report whenever you apply for a new credit card, a loan, or before a major purchase, to assure the accuracy of the information being reported about your credit.

Correcting Errors on Your Report
If you believe there is an error on your report, federal law allows you to challenge inaccuracies and correct your credit files, at no fee. Contact the credit bureau that supplied you the report of any errors to ensure a quick resolution.

Building a Positive Credit History
Building positive credit history shows you can manage your financial responsibilities and will improve your borrowing power. Positive credit information remains on your credit report forever, while negative information drops off over time. The following suggestions will help you create a positive credit history:
  • Pay your bills on time. Most lenders look at the most recent information on a report. Paying your bills on time will start creating a positive credit history.
  • Maintain an accurate file, by providing complete, accurate and consistent identification on your credit applications. This will minimize the chance that your credit file will be mixed with another file.
  • Review your credit report annually for accuracy and before making a major purchase.

Credit Score

What is a Credit Score?
A credit score is a number based on statistical analysis of your credit file that represents your creditworthiness. These are dynamic numbers that change as elements in your credit report change; as you generate positive credit history your credit score will increase.

Lenders use credit scores to help them decide whether or not to give you a loan or a credit increase, because they are consistent and objective they help lenders assess risk more fairly. The most common credit score used is called a FICO score.

Each of the three main credit bureaus (Experian, Equifax and TransUnion) use a generic scoring model based on their own version of the FICO score with their own names. Experian has the Experian/Fair Isaac system, Equifax has the Beacon system, and TransUnion has the Empirica system.

Individual lenders often use a custom credit score which incorporates a FICO score and other criteria that are important to their individual products and lines of business.

Your credit score only reflects your likelihood to repay debt responsibly based on your past credit history.

What Factors Impact Credit Score?
Credit scores are affected by elements in your credit report, such as:
  • Number and severity of late payments
  • Type, number and age of accounts
  • Total debt
  • Public records

Like your credit report, the following information does not impact your credit score:
  • Your age, race, color, religion, national origin, sex, marital status or medical history
  • Your salary, occupation, title, employer, or employment history

Improving Your Credit Score
Credit scores reflect your credit history with more emphasis on recent information. The length of time it takes to rebuild your credit history depends on the negative elements in your report; delinquencies may remain on your report for seven years while bankruptcies stay on for ten years. You may improve your score by:
  • Paying your bills on time. This is an extremely important factor in generating a good credit score.
  • Keep your outstanding balance low. High outstanding debt can lower your score.
  • Apply and open new credit accounts only as needed. These actions indicate you may be taking on new debt. You need to prove you can manage your current credit responsibly.
  • Pay off debt rather than moving it around. Owning the same amount but having fewer open accounts may lower your score.

Fraud Reduction

What is Credit Fraud?
Credit fraud can include the following:
  • Identity theft: the unauthorized use of your personal identification information to commit fraud
  • Identity assumption: long-term victimization of identification information
  • Unauthorized changes on your existing accounts

How Criminals Get Your Information
Criminals can gather information in a variety of ways:
  • Stealing mail or going through your garbage
  • Eavesdropping or looking over your shoulder
  • Sending unsolicited email (spam and phishing)
  • False telephone solicitation
  • Changing your address, diverting billing statements to another location.

Warning Signs - There are several warning signs to look for that may indicate fraud:
  • Inquiries or information on your credit report that you did not initiate
  • Billing statements with strange charges
  • Bills from unknown sources
  • Receiving calls from creditors or collection agencies
Recovering from fraud
If you believe you are a victim of fraud, the following information may help you recover:
  • Place a Fraud Alert: Placing a fraud alert on you credit report prevents an identity thief from opening more accounts in your name. Contact one of the three consumer reporting companies to place a fraud alert.
  • Contact your creditors: Contact each creditor and inform them of the fraudulent activity.
  • Document all contacts: Make notes of everyone you speak with; ask for names, department names, phone extensions and record the date you speak with them.
  • Follow up: Make sure everything a creditor has requested is received and follow up with a call or a letter for confirmation.
  • Review reports regularly: Review your credit report shortly after reporting the fraud and annually after that to ensure everything is resolved and that no new incidents of fraud have arisen.
  • Keep your files: Keep all notes and correspondence in case they are needed in the future.

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