Best Buy Financing with Fairstone™

Buy now and pay later with Best Buy Financing. In partnership with Fairstone, we offer flexible financing plans so you can buy the products you want today and pay for them over time in easy monthly instalments.

Have questions about your Fairstone account? Read the guide below for information about monthly statements, financing plans, bill payments, and more.

Interested in applying for Best Buy Financing? Visit our Best Buy Financing page to learn more about the program and start your application.


Accessing your account online

Looking to access your Fairstone account online? After registering your account, you can log in to Fairstone’s online account management to access the following information:

  • Monthly electronic statements
  • Account balance
  • Payment due dates
  • Minimum payments
  • Recent transaction history
  • And more

Finding your account number

Looking for your Fairstone financing account number? You can find it in the SMS text message you received from Fairstone when approved for financing, in the top, right-hand corner of your monthly statements, or by logging into your account online.


Understanding your monthly statements

If you have an active account, you’ll receive monthly statements with payment details, important account information, a summary of your credit plan, and more. Fairstone will send you monthly statements by mail or electronically.

Need help understanding your monthly statements? Review Fairstone’s statement guide for a detailed explanation of each section.


Changing your monthly statement preferences

Want to receive monthly statements electronically? Register your financing account online. 

Once you’ve created an online account, you’ll automatically receive monthly electronic statements. Fairstone will send you an email when your monthly statement is available. Log in to Fairstone’s online account management to view your electronic statement.

Prefer to have your monthly statement printed and mailed to you? Give Fairstone a call at 1-866-508-7765 to make the switch.


Administration and annual membership fees

Administration fees

Best Buy charges an administration fee per transaction for all residents in Canada, except Quebec. The administration fee depends on your plan and minimum purchase.

*Fairstone may change the fee or add other fees upon written notice as permitted by law.


Membership fees

Residents of Quebec are charged an annual membership fee of $35, which comes with Geek Squad Remote Support for one year.

This fee is invoiced annually on the date you open your account. The Quebec membership fee will be charged annually, whether you make a purchase or not.


Making payments

Payment due dates and plan expiration dates are listed on your printed or electronic monthly statements. You can make payments in any of the following ways:

  1. Telephone or online banking (enter ‘Fairstone - Credit Cards’ as the payee)
  2. At your financial institution
  3. At a local Fairstone branch
  4. Mailed cheques payable to Fairstone. Include the account number and the payment amount on the return portion of your mailed monthly statement addressed to:


    Fairstone Financial Inc.
    Attn: Payment Processing
    630 René-Levesque Blvd. W. Suite 1400 Montréal, QC H3B 4Z9

Please note: Best Buy will not accept payments on Fairstone’s behalf.

There are no penalties for paying off your account balance if you pay the account balance in full by the end of the term. If you do not pay off your account balance within the terms of your promotional plan, you may be subject to accrued interest charges.


Closing your account

Your account will remain open even after you pay off your balance. You can use your available credit to finance more purchases at Best Buy.

Want to close your account? Contact Fairstone at 1-866-508-7765.


Financing plans

Are you a resident of Quebec? Review the list of financing plans available to you.


Financing plans for residents of Canada

Best Buy partners with Fairstone to offer residents of Canada (excluding Quebec) the following financing plans:

  • 3 Month Financing (No Pay / Same As Cash)
  • 6 Month Financing (No Pay / Same As Cash)
  • 12 Month Financing (No Pay / Same As Cash)
  • 18 Month Financing (No Pay / Same As Cash)


Our 3-, 6-, and 12-month financing plans apply to all products. However, our 18-month financing plan is only available for home theatre and major appliance purchases. 

There is no interest, financing charges, or penalties if you pay for your purchase in full by the end of your financing term.

To confirm which plan you are enrolled in, review your monthly statement.


No Pay / Same As Cash Plan

  • Finance Charges will accrue on the purchase from the beginning of the promotional period, but no payments will be due during the promotional period.
  • If you pay the purchase price in full by the expiration date of the promotional period, all the accrued finance charges will be waived, and no finance charges will be assessed on the purchase.
  • If you do not pay the purchase price in full by the expiration date of the promotional period, all the accrued finance charges will be assessed to your account at the APR disclosed in the retail agreement & Disclosure statement.

See the table below for examples of the No Pay / Same As Cash financing plan.

Financing plans for residents of Quebec

Best Buy partners with Fairstone to offer residents of Quebec the following financing plans:

  • 3 Month Financing (Same As Cash, With Payment)
  • 6 Month Financing (Same As Cash, With Payment)
  • 12 Month Financing (Same As Cash, With Payment)
  • 18 Month Financing (Same As Cash, With Payment)
  • 24 Month Financing (Free Financing)


Our 3-, 6-, and 12-month financing plans apply to all products. However, our 18- and 24-month financing plans are only available for home theatre and major appliance purchases. The 24-month Free Financing plan is only available in stores, for products $1,199.99 and up.

There is no interest, financing charges, or penalties if you pay for your purchase in full by the end of your financing term.

To confirm which plan you are enrolled in, review your monthly statement.


Same As Cash, With Payment Plan

  • Finance Charges will accrue on the purchase from the beginning of the promotional period, and minimum payments will be due each billing cycle.
  • If you pay the purchase price in full by the expiration date of the promotional period, all of the accrued finance charges will be waived and no finance charges will be assessed on the purchase.
  • If you do not pay the purchase price in full by the expiration date of the promotional period, all the accrued finance charges will be assessed to your account at the APR disclosed in the retail agreement & Disclosure statement.

See the table below for examples of Same As Cash, With Pay plan.

Free Financing Plan (in-store only)

  • The total amount financed is divided over the term of the plan and becomes your fixed minimum monthly payment.
  • Finance 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.
  • If the minimum payment is not paid when due, or if a balance remains after the promotional period expires, Finance charges will be assessed at the standard APR shown in the disclosure statement.

See the table below for examples of the Free Financing for 24 months plan.


Still looking for an answer?

If you have additional questions about your financing account, give Fairstone a call at 1-866-508-7765. Fairstone agents are available from 8 am to 8 pm ET (Mon-Fri). Or, use the Interactive Voice Response (IVR) 24 hours a day, 7 days a week.