Micro vision logo

PayPlan by RBCTM

Find it. Buy it. Pay over time.

Key Features

Need something now but don’t want your budget to get off track?
PayPlan by RBC lets you spread the cost of larger purchases over time. After a quick application process, select a plan that works for you and you’ll know upfront how much, and when you’ll pay.

N

Quick and easy

Go from browsing to buying using a quick, straight forward application process.

N

Pay on your own terms

Break down larger costs and select the repayment term that’s best for you1.

N

Transparent lending

No hidden fees or penalties for paying off your loan early.

N

Trust and confidence

Feel secure in a solution backed by RBC.

How it Works

Shop Online:

Add items to your cart. Choose PayPlan by RBC in the checkout flow of any participating retailer and you could pre-qualify without affecting your credit score2.

Choose Your Plan:

You’re in control. Pick from a selection of provided payment options that work for you and your budget.

Complete Your Purchase:

Get your item now and pay over-time in regular instalments.

Frequently Asked Questions

How does PayPlan by RBC make it easier for me to make purchases online?
PayPlan by RBC is a pay-over-time solution that helps you make purchases with equal monthly payments for the selected payment term and at the stated rate. When you sign the Cost Of Borrowing (COB) disclosure with PayPlan by RBC, you agree to accept the terms of taking an instalment loan from RBC Ampli Inc.
Why buy with PayPlan by RBC?
Our goal is to make your purchases more manageable by helping you pay in a way that fits your budget. The PayPlan by RBC loan includes straightforward, easy-to-understand terms for fair, transparent lending.
Is PayPlan by RBC safe and secure?
Safeguarding your personal information is very important to us. All PayPlan by RBC checkouts use HTTPS secure encryption when transmitting data.
How do I apply with PayPlan by RBC?

You will be given the option to apply for PayPlan by RBC in the checkout flow of any participating retailer and follow the prompts to pre-qualify, review and accept your terms, and complete checkout. Applying is quick and straight forward.

Is PayPlan by RBC a credit card?
No. When you finance a purchase with PayPlan by RBC you are applying for an instalment loan with equal monthly payments from RBC Ampli Inc.
Will checking out with PayPlan by RBC impact my credit score?

Pre-qualifying for a PayPlan by RBC loan only results in a soft inquiry and will not affect your credit score. If you accept your loan terms, and complete checkout a credit check will be performed which may have impact to your credit score.

Does PayPlan by RBC report to the credit bureaus?
PayPlan by RBC does not currently report loan status to the credit bureaus but we reserve the right to do so in the future.
How are RBC Ampli Inc. and Royal Bank of Canada related to PayPlan by RBC?
In December of 2022, the PayPlan by RBC program was transferred from Royal Bank of Canada to RBC Ampli Inc., a wholly-owned subsidiary of Royal Bank of Canada.

RBC Ampli Inc. is now the lender for all PayPlan by RBC loans.

+ View Legal Disclaimers

PayPlan by RBC financing is provided by RBC Ampli Inc.

Personal lending products are offered by RBC Ampli Inc. and are subject to its standard lending criteria.

1 Interest rates range from 0% to 19.99% APR. Subject to approval of credit application. Loans made by RBC Ampli Inc.

2 Pre-qualifying for a PayPlan by RBC™ loan only results in a soft inquiry and will not affect your credit score. If you accept your loan terms and complete checkout, a hard inquiry will be performed which may have impact to your credit score. Future purchases will also result in a hard inquiry.

® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

Cart Items0
There are no products in the cart!
Continue shopping
0