How do I apply?
Please see a Lens & Shutter Sales representative in-store for a financing application form.
Can I apply online?
At this time, we currently do not accept applications online. Applications and purchases must be made in store as we require documentation and your signature.
How long does it take to get approved?
After submitting a successful application, you will receive an answer within an hour. Most submissions will receive an answer usually within a few minutes.
What type of information do I need for the application?
You will need to provide general contact and identity information, with proof of a primary government photo ID. You will also need to provide us with your current employer or source of income, along with your financial institution information. If you are applying with a co-applicant or guarantor, they will need to provide the above information as well.
Can I access my account information online?
After signing up with the Desjardins Group financing program, you will be given information on how to access your online account through the Desjardins Group. Registration for the online account statement automatically cancels the mailed paper version of the account statement.
What is the interest rate?
Deferred Payment Financing
Interest is not charged on deferred payment financing for the interest-free period specified in the Transaction Disclosure Statement provided prior to purchase. If payment of the amount financed is not made in full on the payment due date shown for such purchase on the Account Statement, the amount due will be automatically refinanced and become payable in equal installments at an annual interest rate not exceeding 19.9%. Interest is not charged on interest.
Equal Installments Financing
Interest is charged at the annual rate specified in the Transaction Disclosure Statement provided prior to purchase. The annual rate will be less than or equal to a rate of 19.9%. Interest is charged from and including the day that purchases by equal installments financing are posted to the Online Account. Monthly installments due for purchases made through equal-installment financing are included in the minimum payment for the period covered by the account statement. If an account holder fails to make the minimum payment required on the Due Date, credit charges calculated at the annual interest rate of 19.9% will be applicable on such monthly installments (excluding interest charges). Interest is not charged on interest.