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A-Z list of store financing for electronics and household items
Whether you're shopping for a new laptop, sofa or refrigerator, learn about the financing options available to you.
Many popular stores offer 0% or low interest financing options to help you pay for the products you want to buy. You’ll usually need to pay the amount you owe back in 6 to 36 months and you may need good credit to qualify. Find out what stores offer financing for electronics, household items and other purchases – and get more details about these offers below.
A-Z list of store financing for electronics and household items
| Brand | Financing offer | Read more |
|---|---|---|
| Apple | 0% APR for 6, 12 or 24 months through PayBright | Learn more |
| Best Buy | No interest for 3, 6, 12 or 24 months through Fairstone, 31.99% interest after promo ends | Learn more |
| The Brick | Interest-free payments for 18 to 36 months through Flexiti, after-promo rates of 31.99% to 37.99% | Learn more |
| Canada Computers | No interest for 3, 6, 12, 18, 24 or 36 months through Flexiti | Learn more |
| Canadian Tire | No fees and no interest for 24 months with the Triangle Mastercard | Learn more |
| Costco | 4.99% to 6.99% interest over 6 to 24 months with CIBC Pace It program | Learn more |
| easyhome | No interest-free promo period – pay 29.99% to 46.96% APR on a minimum 36-month term | Learn more |
| Flexiti | Interest-free promo period varies by store, after-promo rates of 31.99% to 37.99% | Learn more |
| Home Depot | Pay no interest for 12 months, 28.8% interest accrued after promo ends | Learn more |
| Leon’s | Pay 0% interest for 6, 12, 15 or 24 months through Flexiti, after-promo rates of 31.99% to 37.99% | Learn more |
| Lowe’s | No payments, interest and fees for 6 or 12 months, 28.8% charged after the term. | Learn more |
| MDG | Pay no interest for 12 months, after-promo rates of 9.47% to 32% | Learn more |
| memoryexpress | Pay 0% interest for 3, 6, 9 or 12 months with Flexiti, after-promo rates of 30.49% and 35.90% | Learn more |
| Newegg | 0% interest financing over 2 months with the Zip payment platform | Learn more |
| PayBright | No interest for 4 bi-weekly payments or between 6 and 60 monthly payments | Learn more |
| Staples | No interest for 3 to 12 months, choose from deferred or equal monthly payments for the length of your term | Learn more |
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Apple financing in Canada
- How Apple financing works. Shop online at Apple and select the “Pay monthly” option when prompted to check out or click “Apply now” on the Apple site to pre-qualify.
- What can I finance? Apple offers electronic financing for iPads, iPhones and Mac computers.
- What to watch out for. Terms are limited to 2 years. Some products are not available for financing.
Best Buy financing
- How Best Buy financing works. Apply for financing for terms of 3, 6, 12 or 24 months through the Best Buy Card. Spend money on the card when you make purchases in-store.
- What can I finance? You can finance electronics, appliances, musical instruments, luggage and anything else you can purchase at Best Buy (usually with a $1,000 limit).
- What to watch out for. The interest rate after the promo period is 31.99%, and there’s an admin fee between $29.99 and $119.99 based on your term. Financing is only available for in-store purchases.
The Brick financing
- How The Brick financing works. Get up to $20,000 when you apply for financing online or in person and pay no interest for 18 to 36 months.
- What can I finance? You can finance furniture, bedding, appliances, electronics, home decor and anything else you can buy at the Brick.
- What to watch out for. There’s a missed payment fee of between $59.99 and $99.99. Interest rates after the promo period are between 31.99% and 37.99% after the promo period, and there’s an admin fee of $0 to $199.95.
Canada Computers financing
- How Canada Computers financing works. Choose a product to buy in the store and fill out an application with a sales agent.
- What can I finance? You can finance computers, cell phones, printers, headphones, chairs, desks, gaming equipment and other electronics.
- What to watch out for. A minimum purchase of $500 is required and there's regular interest on terms of 6+ months. There's a one-time admin fee of $49.99 to $239.99 for terms of 3 to 12 months and monthly admin fees for terms of 18+ months. Financing is only available for in-store purchases.
Canadian Tire financing
- How Canadian Tire financing works. Pay for your purchase using your Triangle Mastercard and get 24 equal monthly payments when you spend $150 or more.
- What can I finance? You can finance products sold at Canadian Tire and partner stores such as Sport Chek, Mark’s and Atmosphere.
- What to watch out for. You must have a Triangle Mastercard to get financing. Equal payments make your minimum monthly payments higher. You must spend at least $150 and there’s a 19.99% interest rate after the promo or for missed payments.
Costco financing
- How Costco financing works. Use your CIBC Costco Mastercard to make purchases and log them under the CIBC Pace It program to pay lower interest rates for a set term.
- What can I finance? Finance online and in-store Costco purchases up to your credit limit and set up multiple Pace It plans for various products.
- What to watch out for. There is no interest-free offer. Interest rates run from 4.99% to 6.99% depending on the term. You need to sign up for Pace It through online banking or the CIBC mobile app (it’s not automatically applied).
easyhome financing
- How easyhome financing works. Shop online from thousands of name-brand products or visit a store in person to get 36-month financing. easyhome financing is lease-to-own, meaning you rent the item and only own it once you make all your payments.
- What can I finance? You can finance furniture, appliances, electronics, computers and other products (through the easyhome online store or at nearby easyhome locations).
- What to watch out for. There is no interest-free promo period, and the APR ranges from 29.99% to 46.96% APR, with a minimum 36-month term. There is also a $25 processing fee.
Flexiti financing
- How Flexiti financing works. Get low or no interest payments when you use Flexiti to shop with dozens of major retailers.
- What can I finance? You can finance eligible products with Flexiti partners such as Sleep Country, Wayfair, Leon’s, Visions Electronics, London Drugs, Kal Tire and many more.
- What to watch out for. Watch out for after-promo interest rates of between 31.99% and 37.99% and admin fees. A minimum purchase may apply based on the retailer.
Home Depot financing
- How Home Depot financing works. Use your Home Depot consumer credit card to make purchases over $299 and get 0% interest financing for 12 months.
- What can I finance? You can finance home decor, furniture, building materials, paint, garden supplies and other eligible products from Home Depot.
- What to watch out for. Interest rates are 28.8% per year and apply if you miss a payment or fail to pay your plan back in full by the end of your 12-month term. There's a minimum $299 purchase.
Leon’s financing
- How Leon’s financing works. Get instant 0% financing for 6 to 24 months and choose from deferred or equal monthly payments for the length of your term.
- What can I finance? You can finance furniture, mattresses, appliances, electronics, outdoor supplies and other products sold at Leon’s.
- What to watch out for. There’s a minimum purchase of $250 as well as a mandatory admin fee of $129.95. The after-promo interest rates are between 31.99% and 37.99%, and there’s a deferral fee of $59.99 to $99.99 for late payments.
Lowe’s financing
- How Lowe’s financing works. Pay no monthly payments, interest and fees for 6 or 12 months using your Lowe's Consumer Credit Card.
- What can I finance? You can finance a purchase that’s worth $299 or more.
- What to watch out for. If you do not pay in full within the 6 or 12 months, you’ll be charged 28.8% from the date of purchase, and monthly payments will be required.
MDG financing
- How MDG financing works. Apply online to get 0% interest payments if your balance is paid in full within 12 months of purchase.
- What can I finance? You can finance computers, cameras, drones, tablets and other tech along with home furnishings and decor.
- What to watch out for. After-promo rates are 9.47% to 32%, and terms are limited to 12 months.
memoryexpress financing
- How memoryexpress financing works. Apply for 0% financing for 3 to 12 months when you make a minimum purchase of $500 or $1,000, depending on your term.
- What can I finance? You can finance computer hardware and software, gaming systems, TVs, cameras, home office equipment and various other electronics.
- What to watch out for. There's a minimum purchase of $500 on a 3- to 9-month term and $1,000 for a 12-month plan as well as admin fees. The after-promo rates run between 30.49% and 35.90%
Newegg financing
- How Newegg financing works. 0% interest financing over 2 months with the Zip payment platform
- What can I finance? You can finance electronics, office equipment, gaming systems, tools, sporting goods, apparel, accessories and wellness products.
- What to watch out for. Finance is limited to 2-month terms, and 25% of the product cost is due upfront. There are bi-weekly payments, and you can only borrow $3,000 or less.
PayBright financing
- How PayBright financing works. Get 0% financing when you shop with select merchants and pay funds back in up to 4 bi-weekly or up to 60 monthly payments.
- What can I finance? You can finance electronics, furniture, home decor, fashion, sporting goods, car accessories and wellness products.
- What to watch out for. Financing is only available with select merchants. Monthly payment plans may charge interest and getting 0% interest depends on credit in some cases.
Staples financing
- How Staples financing works. Take advantage of 0% financing over 3 to 12 months and choose from deferred or equal monthly payments for the length of your term.
- What can I finance? You can finance electronics, computers, computer accessories, office supplies, small appliances, furniture and more.
- What to watch out for. Financing is only available for up to 12 months. The after-promo rates are from 31.99% to 37.99% and admin fees range from $29.99 to $59.99.
Can I get electronic financing with no credit check in Canada?
It’s difficult to get electronic financing with no credit check in Canada unless you opt for lease-to-own (also known as “rent-to-own”). At the very least, most lenders will do a soft pull on your credit to make sure you can repay your loan. A soft pull won’t affect your credit score but still lets your lender see your credit report.
Cashing in on a 0% interest rate offer will depend on whether you have good credit. You could also be denied financing all together if you have bad credit. It usually depends on the company you apply with and what amount of financing you’re looking for.
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