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| | Frequently Asked Questions
| Q | What is the Installment Plan? |
| A | The Installment Plan is a loan which enables you to enjoy your Dell purchases by making 48 equal monthly payments, conveniently through our pre-authorized payment plan.
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| Q | What is a Dell Preferred Account (DPA)? |
| A | The Dell Preferred Account is a revolving line of credit that provides an easy way to finance your initial Dell Home and Home Office purchase as well as add software, peripherals, or even a new PC to an account at any time up to your credit limit.
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| Q | Can I have both the DPA and the Installment Plan for the same order? |
| A | For one purchase, only one financing plan can be used. For multiple purchases, it is possible to use the Installment Plan or the Dell Preferred Account to make your Dell purchases.
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| Q | What are the available interest rates? |
| A | 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 Plan, available interest rates are 13.99%, 16.99%, 18.99%, 21.99%, 26.99% and 28.99%. For the Dell Preferred Account, the interest rate is fixed at 28.99%.
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| Q | How do I make my monthly payments on the Installment Plan? |
| A | By using chequing or savings account details you provide to us, convenient payments will be auto debited from your account on a monthly basis.
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| Q | How do I make my monthly payments on the DPA? |
| A | By using chequing or savings account details you provide to us, convenient payments will be auto debited from your account on a monthly basis.
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| Q | When is my first payment due on the Installment Plan? |
| A | The first payment will be automatically deducted from your bank account 1 month after your entire order is shipped.
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| Q | When is my first payment due on the DPA? |
| A | The first payment will be automatically deducted from your bank account, approximately 1 month after your entire order is shipped.
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| Q | Why does Dell Financial Services ask for my SIN number? |
| A | 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, and not someone else's, when we place a request to credit reporting agencies.
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| Q | Am I required to provide my SIN number to Dell Financial Services when I apply for credit? |
| A | 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.
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| Q | Can I submit an online credit application without a SIN number? |
| A | Without a SIN number, your credit application cannot be processed online. Please contact us at 1-800-WWW-DELL (1-800-999-3355) and we can process your application based on other information. Please be prepared to provide other personal information such as a major credit card number and your date of birth.
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| Q | Why do I have to have the same Bill-to and Ship-to addresses on my order? |
| A | 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. If there is a discrepancy between the 2 addresses, this will delay the order process.
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| Q | What happens to my order if I am not approved for financing? |
| A | 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.
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