Financing
A $2,200 sectional is $61 a month. It’s how most of our customers furnish a whole room at once instead of a piece at a time.
How it works
- Approved in 3 minutes, online or at the counter.
- Fixed monthly payments over 12, 24 or 36 months.
- No penalty for paying it off early.
- The monthly figure is shown on every product on this site.
What you need
- Photo ID
- Proof of income (pay stub or bank statement)
- A Québec address
To confirm before launch: the lender’s name, the annual rate, the terms offered and any fees have to be written here in plain sight. It’s a legal requirement in Québec, and it’s also the first thing customers look for.
Paying in instalments
Four ways to spread a purchase. The applicable amount is shown on each product, before you put anything in the cart.
| Option | How it works | Cost |
|---|---|---|
| Klarna | 4 equal payments, every 2 weeks | Interest-free when paid on time |
| Afterpay | 4 equal payments, every 2 weeks | Interest-free when paid on time |
| Affirm | Monthly payments, 3 to 36 months | 0% to 36% APR depending on approval |
| In-store financing | 12, 24 or 36 months, approved at the counter | To be confirmed |
Klarna and Afterpay suit smaller purchases — a table, a mattress, a set of chairs. For a sectional or a full bedroom set it is Affirm or in-store financing that apply, because pay-in-4 has a ceiling.
To settle before launch. Three things, none of them optional:
- The merchant accounts do not exist yet. Klarna, Afterpay and Affirm each require a separate application and approval. Until that is done these are display, not a payment method.
- The thresholds on this site are defaults. They decide which option appears on which product and must be replaced with yours, from your Canadian merchant agreements.
- Québec regulates these as consumer credit. Unlike the rest of Canada, the Consumer Protection Act treats many buy-now-pay-later offers as credit — which brings disclosure obligations, in French. Have a Québec lawyer review this page and the product-page messaging before switching it on.
Merchant fees for these services generally run 3% to 7% of the transaction. Against furniture margins that is not a rounding error — worth confirming before you enable everything.
Examples
- $1,400 bedroom set → $39/month over 36 months
- $2,200 sectional → $61/month over 36 months
- $900 dining set → $25/month over 36 months