FINANCING
Upgrading your home is easier than ever
Split your purchase into monthly payments with Affirm, Shop Pay Installments or PayPlan by RBC. Prequalify in minutes with no impact to your credit score, then pick the plan that fits your budget.
WHY FINANCE WITH US
Prequalify in minutes
Complete a quick application that won't affect your credit score.
Know what you'll owe
Don't lose sleep with simple monthly payments and no hidden fees.
Unlock your home’s potential
Build the home, or renovate the kitchen, you’ve always wanted. Luxury is now attainable
OPTION 1 · PAY OVER TIME
Affirm
Affirm is a smarter way to pay over time. Pick Affirm at checkout for a real-time decision, choose the monthly plan you like, and pay it off with no hidden fees and no penalty for paying early.
- Prequalify with no impact to your credit score
- Monthly plans that fit your budget — you always know exactly what you owe
- Pay off early with no penalty, never a late fee
*Subject to eligibility check and approval. Payment options depend on your purchase amount and may include a down payment. Affirm Canada Holdings Ltd.
AFFIRM · HOW IT WORKS
How to pay with Affirm
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Select Affirm at Checkout
Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
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Complete Your Purchase
Pick the monthly payment plan you like best. You’ll never pay more than you agree to up front.
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Pay Over Time
Make payments at affirm.com or in the Affirm app. You’ll get email and text reminders.
AFFIRM FAQS
Common questions about Affirm
Can I pay off my purchase early?
Yes, there's no penalty for paying early
How do I make payments?
You can make or schedule payments at affirm.ca or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.
Does checking my eligibility affect my credit score?
No, checking your eligibility won't affect your credit score.
Can I return an item I bought with Affirm?
Yes, you can return an item you bought with Affirm by initiating the return process with the store.
Do I need a mobile number to use Affirm?
Yes, you’ll need a Canadian mobile phone number. This helps Affirm verify it’s really you who is creating your account and signing in.
OPTION 2 · BUY NOW, PAY LATER
Shop Pay Installments
Choose Shop Pay at checkout and split eligible orders into 4 bi-weekly, interest-free payments. No hidden fees, no late fees and no impact on your credit score.
- 4 bi-weekly payments at 0% interest
- No hidden or late fees
- Works with all major debit and credit cards
SHOP PAY FAQS
Common questions about Shop Pay installments
Does Shop Pay impact my credit score?
When using Shop Pay installments, there will be no impact to your credit score since Affirm doesn't conduct a hard credit pull or report to the credit bureaus.
What is the interest rate?
Shop Pay Installments in Canada are 0% interest with no hidden or late fees, and no impact on your credit score.
Can I choose a different payment plan?
Shop Pay Installments split your order into 4 equal payments, charged to your credit or debit card every 2 weeks.
How to I manage my payments for Shop Pay installments?
You can log in to Shop Pay to view your order history and payment status for orders that are paid in installments with Shop Pay.
Which payment methods are accepted if I use the option to pay in Shop Pay installments?
The installments option on Shop Pay is available on all major debit and credit cards.
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
What happens if I pay with Shop Pay installments and then return items or cancel my order?
If we process a refund, the refunded amount will be returned to your original payment method within 3-10 business days, and your balance will be updated.
Have more questions?
For questions about installment payments on Shop Pay, visit shop.affirm.com/help. For questions about Shop Pay or the Shop App, visit shop.app/help/shop-pay.
†Payment options through Shop Pay Installments are subject to an eligibility check and are provided by Affirm Canada Holdings Ltd. Your rate will be 0% APR and no fees are charged.
OPTION 3 · MONTHLY FINANCING
PayPlan by RBC
PayPlan by RBC lets you make larger purchases and pay for them over time in a way that works with your monthly budget. Check your rate in seconds with no obligation to buy, then pay with affordable monthly payments at competitive interest rates.
- Affordable monthly plans at competitive interest rates
- No prepayment penalties — pay it off any time
- Decision in seconds; checking your rate won’t affect your credit score
*Financing provided by PayPlan by RBC™. Subject to credit approval. Rates and terms depend on your purchase amount and credit profile.
HOW IT WORKS
Three steps with PayPlan by RBC
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Check your rate
Start the quick application from the PayPlan page or at checkout; get a decision in seconds with no obligation to buy.
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Pick your plan
See the monthly plans you qualify for and the fixed payment for each before you decide.
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Complete your purchase
Select PayPlan by RBC when you pay and your payments run on the schedule you chose.
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