BUY NOW, PAY LATER

Affirm is a smarter way to pay over time. Shop and pay at your own pace with no hidden fees, so you can get the things you love without breaking your budget. Pay in 4 or make monthly payments for bigger ticket items. Rates from 0-32% APR (subject to provincial regulatory limitations).
More information on: https://www.affirm.com/en-ca/how-it-works

  • Easy to apply

    Complete a quick application that won't affect your credit score.

  • We never charge fees

    You'll never pay late fees. Or annual fees. Or hey-it's-a-random-day-in-April fees.

  • We tell it like it is

    With Affirm, you always know exactly what you'll owe and when you'll be done paying off your purchase.

  • Unlock your home’s potential

    Build the home, or renovate the kitchen, you’ve always wanted. Luxury is now attainable

Learn more about Affirm

PayPlan by RBC lets you make larger purchases and pay for them over time in a way that works with your
monthly budget. It’s a simple choice at checkout that can make buying and budgeting easier.

  • Fit larger purchases into your monthly budget: With multiple payment terms and rates, choose the plan that works for you.
  • Backed by RBC: The only Buy Now, Pay Later solution backed by a Canadian bank. It’s a brand you can trust at checkout and beyond.
  • No hidden fees. No surprises: You’ll always know how much you’re paying and when you’re paying, up front. No penalties, no hidden fees, full transparency.
  • Lower rates than most credit cards: Save on interest costs for items you need some time to pay off. And applying does not impact your credit score.
  • Available to all Canadians: You don’t need to be an RBC customer to use PayPlan by RBC.

Lean More about PayPlan by RBC