Clear, transparent terms. Fair rates. No prepayment penalties.
Affordable Monthly Plans
Buy now and pay for your purchase over time at competitive interest rates.
No Prepayment Penalties
Pay for your purchase with monthly payments and prepay at any time without penalty.
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Personal lending products are offered by Royal Bank of Canada 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 Royal Bank of Canada.
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.