General Information

Welcome to Samsung's Annual Upgrade Program! Here’s a simple breakdown:

1. Enroll at Purchase
When buying a Galaxy device, select the Annual Upgrade option. Choose between a 12-month or 24-month plan.

2. Make Monthly Payments
Your payments include two parts:

    • Equal Monthly Payment (EMP): Paid monthly over your plan’s term.

    • Deferred Loan: The remaining balance due at the end of your term; either 50% or 35% of your MSRP. No payments are needed on this portion during your plan (except for Quebec residents).

3. End-of-Term Choices
Within the final 90 days of your plan, decide to:

    • Upgrade: Return your device to clear the deferred balance and get a new Galaxy.

    • Keep: Pay the deferred balance to own your device outright.

    • Return: Send back the device to settle the balance.

Important Note: If no action is taken in the final 90 days, interest on the deferred loan (accrued from the start of your plan) will apply.

For Quebec residents, terms may differ slightly. Contact Samsung support for details.

This chart compares the 12-month and 24-month options for the S26 Ultra 512 GB, helping you choose the best plan based on monthly payments, total cost, and included benefits.

Here's a simplified comparison chart for Samsung's Annual Upgrade Program:

*Sample 512GB Galaxy S26U ($2,179). Payment estimates before taxes. Actual costs vary by device/region.

Key Takeaways:

• Want new tech yearly? Choose 12-month plan for higher trade-in value and included device protection.

• Prefer lower payments? 24-month plan spreads costs with smaller monthly fees.

• Trade-in made simple: Both plans offer hassle-free returns online or in-store.

• 0% Interest & Fees: Enjoy 0% interest and no hidden financing fees on both 12- and 24-month plans.

• Deferred Loan: Pay within 90 days of EMP loan ending, interest free.

• Free Return Shipping: Samsung covers the cost of shipping when you return your device.

• Flexible End-of-Term Options: Choose to upgrade, return, or keep your device based on your needs.

No, trade-ins are not eligible for AUP

No, Annual Upgrade Program (AUP) does not apply to accessories and wearables. You can only finance additional accessories or wearables with your Eligible Galaxy Device during the AUP program term.

No, upgrades to SC+ Premium are not available with the 12-month plan that includes 1 year of SC+.

You will need to have the total cart value available on your Flexiti Card to complete a purchase that includes AUP.

Contact Flexiti Financial at 1-877-259-3745 to discuss a credit increase.

Here is an example based on the purchase of a S26 Ultra if purchased through Annual Upgrade Program (AUP).

Sample Order for S26 Ultra 512 GB – 12 Months Term
Price of S26 Ultra	$2,179.99
Est. Taxes (13% for Ontario)	$289.39
Cart Total	$2,463.38
Deferred Loan (50% of MSRP of S26 Ultra 512 GB)	$1,090.00
EMP Loan for 12 Months (Cart total – Deferred Loan)	$1,373.38
Equal Monthly Payment x 12	$114.44

Sample Order for S26 Ultra 512 GB – 24 Months Term
Price of S26 Ultra	$2,179.99
Est. Taxes (13% for Ontario)	289.39
Cart Total	$2,463.38
Deferred Loan (35% of MSRP of S26 Ultra 512 GB)	$763.00
EMP Loan for 24 Months (Cart Total – Deferred Loan)	$1,700.38
Equal Monthly Payment x 24	$70.85

*Customers will be responsible for paying all taxes on the total cart value in their EMP loan.

If you have other products in your cart, they will be included in your Equal Monthly Payment (EMP) loan. The total cost of these items, including taxes, will be incorporated into your monthly payments throughout the AUP period. For example, if you add the Galaxy Buds4 Pro to your cart, its full price (including tax) will be added to your EMP loan. Once the AUP period concludes, you will retain ownership of the Galaxy Buds4 Pro. Here's an illustrative example:

• Cart Contents: Samsung Galaxy Buds4 Pro

• Process: The full price of the Galaxy Buds4 Pro (including tax) is added to your EMP loan.

• Outcome: After completing the AUP period, you will keep the Galaxy Buds4 Pro.

This approach ensures a seamless integration of all selected items into your payment plan.

Sample Order for S26 Ultra 512 GB – 24 Months Term + Samsung Galaxy Buds4 Pro
Price of S26 Ultra	$2,179.99
Price of Samsung Galaxy Buds4 Pro	$329.99
Subtotal	$2,509.98
Est. Taxes (13% for Ontario)	$326.29
Cart Total	$2,836.27
Deferred Loan (35% of MSRP of S26 Ultra 512 GB)	$763.00
EMP Loan for 24 Months (Cart Total – Deferred Loan)	$2,073.27
Equal Monthly Payment x 24	$86.38

• Quebec residents: Mandatory 5% monthly payment toward the deferred balance on top of your EMP loan (refunded if you return the device).

• Other provinces: No payments required until the plan ends.

Yes, you can contribute towards your deferred loan at any time during your Annual Upgrade Program (AUP) plan term. If you return your device any payments made towards the deferred loan would be credited back to your account.*
*If you are a Quebec customer, you will have to pay 5% of your deferred loan each month during the AUP plan term. You will be credited back all amounts paid towards your deferred loan if you return or upgrade at the end of your AUP plan term.

1. Online Banking: Add “Flexiti” as a payee; use your Flexiti Virtual Credit Card number.

2. In-Person: Visit a bank branch and pay “Flexiti” using your Virtual Credit Card.

Contact Flexiti Financial at 1-877-259-3745.

If you do not settle your deferred loan by either returning or paying off your device you would be charged accrued interest for the period of the loan, 16 or 28 months from date of purchase.

You’ll receive an email with a prepaid shipping label during your 90-day Upgrade Period.

No, returns must be completed within the 90-day window, after the completion of the EMP Loan.

• Back up data and remove SIM/memory cards.

• Erase all personal data and disable software locks (e.g., Find My Mobile, Samsung/Google accounts).

• Perform a factory reset.