Brault & Martineau Financing Program by Fairstone

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.

Your account number can be found in the SMS text message you received from Fairstone when you were approved for financing, on your monthly statement, or by logging into online account management.

Yes, monthly statements will be provided for active accounts.

When a monthly electronic statement is available, an email notification will be sent to the email address on file. To access your electronic statement, register or log in to online account management.

Click here for an outline of the information contained in your monthly statement.

Yes. To receive monthly electronic statements, you need to register for an online account. Once you’ve created an online account, you’ll be automatically switched to receive monthly electronic statements.

Yes. To change your monthly statement preference, call Fairstone at 1 844-807-1301.

No. Fairstone offers entirely digital financing for Tanguay meaning your key account information, such as account number, can be accessed by logging into online account management.

An annual fee* of $35 is applicable if you enroll in an equal payment financing plan with no interest for a term longer than 12 months. This fee is charged at the opening of the account and annually on the anniversary date of the account opening if the balance is higher than $450.
 

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

If you’ve enrolled in the equal payment financing plan with no interest for a term longer than 12 months, the $35 annual fee will appear on your first monthly statement.

The minimum monthly payment for the annual fee is $10. If minimum payments are made on the annual fee in the four months after your account is opened, you will accrue no interest.

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. By mailing a cheque payable to Fairstone including 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, Tanguay/ stores will not accept payments on Fairstone’s behalf.

Register or log in to online account management to see your payment due date. Plan expiration dates are listed in your monthly statement.

If you are not registered for online account management, your payment due date and plan expiration date are listed in your mailed monthly statement.

No, there are no penalties for paying off your account balance, if the minimum payment is made when due and/or  the account balance is paid in full by the expiration date of the promotional period. If you do not pay off your account balance within the terms of your promotional plan, you may be subject to accrued interest charges.

No. Your account will not be closed if you pay off your balance meaning you can use your available credit to finance additional purchases at Brault & Martineau.

To close your account, contact Fairstone at 1 844-807-1301.

1. Apply for financing by completing the online financing application
2. Once you’ve been approved for Fairstone financing at Tanguay, you can finance your purchase either in-store or online by following these easy steps:

   1. To finance a purchase in-store:

      1. Log in to Fairstone online account management
      2. Select “Display Barcode”
      3. To finance your purchase, show the barcode to a Tanguay advisor
   
   

   2. To finance an online purchase:

      1. Shop online at braultetmartineau.com, to find the items you wish to finance
      2. Add your items to the shopping cart
      3. At checkout, select ‘Fairstone Financing’ as payment option
      4. When prompted, enter your Fairstone financing account information

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

Free financing example of credit charges:

• Credit charges will accrue on the purchase from the beginning of the promotional period, and minimum payments of 5% of the balance will be due each billing cycle.
• If you make the required payments and pay the financed amount in full by the expiration date of the promotional period, all of the accrued credit charges will be waived and no credit charges will be assessed on the purchase.
• If you do not pay the financed amount in full by the expiration date of the promotional period, all of the accrued credit charges will be assessed. Making only the minimum monthly payments on your account will not pay off the purchase in time to avoid Credit charges.

Same as cash (with payments) example of credit charges:

Nothing changes, because Desjardins will always respect the conditions of the financing, regardless of the term of the loan. Consequently, the consumer will also have to respect his commitments and fulfill his financial obligations normally. The financing remains in effect under the same conditions.

No. The financing remains in effect under the same conditions. Desjardins will always respect the terms of the financing, regardless of the term of the loan. Consequently, you must also respect your commitments and meet your financial obligations normally. Note, however, that you can make full repayment at any time without penalty.

1. You can pay your account at any time at your financial institution and proceed to the payment of the balance.

2. In addition, member-clients have the possibility to make a payment of their financing plan via Accès D. They only have to add an invoice and then search for the name "Ameublements Tanguay - Desjardins credit card" in the search bar.

3. For non-members, there are also the following payment options: send a cheque to the following address Desjardins Card Services, P.O. Box 8601, Downtown Station, Montreal, Quebec, H3C 3V2 or by direct debit by contacting Desjardins directly at 1-811-363-3380.

No, you are under no obligation to transfer your loan to another financial institution, you simply have to continue repaying it as usual. You can make full repayment at any time without penalty.

No. Considering that new Tanguay credit cards are sent out three months prior to expiration, as of April 1st, cards in reissue will stop being sent out. However, it will be possible to request a replacement for a lost or stolen card until the expiry date.

Yes, we have chosen Fairstone Financial Inc. as our partner and will be offering a new financing solution in the summer of 2022 in stores and online. For more information on Fairstone Financial Inc., please visit

You can contact Desjardins directly at 514 397-4415 or 1 800 363-3380 for questions about billing, disputes and any other issues.