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Finance That Retail

Buy Now, Pay Later

Retail Financing Made Easy

Get instant financing for appliances, lawn mowers, tools & more. No matter your credit score, we've got a solution for you.

Apply for Financing
500+ 5 Stars Reviews

Why Choose Finance That Retail?

All Credit Welcome

Approvals for every credit situation.

Instant Online Application

Apply in minutes, no paperwork.

Low Monthly Payments

Make big purchases affordable.

No Hidden Fees

Transparent terms, no surprises.

Wide Network of Retailers

Shop with top Canadian brands.

Fast Product Pickup

Same-day approvals and delivery.

Simple. Fast. Flexible.
Apply for Financing

Your Favorite Retail Products, Financed.

We help you take home the products you need today and pay over time.

Appliances

Fridge, Washer, Dryer, etc.

Tools

Power Tools & Equipment

Mobility

E-Bikes And Scooters

Lawn

Mowers & Ride-On Tractors

Home

Home Improvement

Climate Control

Air conditioners, heaters, purifiers & fans.

Many Other Retail Products

Ask us about what-eles qualifies

Apply Now
HOW IT WORKS

Fast, Simple & Hassle-Free

Choose Product

Choose Your Product

Pick the item you want to buy from one of our partnered retailers, from appliances to furniture and tools.

Apply for Financing

Apply for Financing

Complete a short online application. It takes just minutes, and we accept all credit types.

Get Approved

Get Approved

Most approvals happen instantly. You'll see your payment plan and monthly installment before you commit.

Take It Home

Take It Home

Once approved, pick up your product the same day or have it delivered and start paying later in affordable monthly payments.

Customer Testimonials

Real People.
Real Results.

P

Fast approval, super simple process. I financed a Samsung washer and dryer set through Finance That after my old ones quit. The team helped me get approved the same day, and the payments fit my budget. I couldn’t be happier!

A

When my laptop broke right before a big project, I was stressed about the cost of a replacement. Finance That made it so easy to finance a new MacBook Pro. No hidden fees, everything was explained clearly. Highly recommend their service!

J

My riding lawn tractor was getting too expensive to keep fixing. With Finance That, I was able to finance a brand new one without putting down a huge chunk of cash. It made a big difference for my yard care business.

V

I never thought I’d be able to afford high-end kitchen appliances, but Finance That changed my mind. The application was easy, and the monthly payments work perfectly for my family’s budget. Thank you for making this possible!

G

Upgrading our shop’s power tools was a huge expense. Finance That worked directly with our dealer to set up a financing plan for everything we needed. The approval was fast and hassle-free.

C

My TV stopped working right before the playoffs. Finance That helped me get approved quickly for a new OLED TV. The interest rate was way better than my credit card and payments are automatic, so it’s stress-free.

N

I wanted a new e-bike for commuting but didn’t want to empty my savings. Finance That had the best financing options out there. The staff explained all the details and made me feel confident in my choice.

K

Big thanks to Finance That for helping me get a high-end refrigerator for my growing family. The process was smooth, and I loved that there were no surprise charges. Would use them again in a heartbeat.

S

Needed to buy several new tablets for my small business. I applied with Finance That and got approval within hours. It was so much easier than I expected, and the payments are really manageable.

S

Finance That made getting my new BBQ grill totally stress-free. From start to finish, the service was excellent and transparent. Now I can host summer cookouts without worrying about my wallet.

Trusted by Top Canadian Retailers

Credit
Isn't a Problem

Bad Credit? No Credit? No Problem.

We believe everyone deserves access to essential products.

  • Approvals regardless of credit history
  • Human-underwritten options for tough cases
  • Build or rebuild your credit while you shop
  • Flexible repayment plans
Start Your Application Now
Credit Help
FAQ Section

Frequently Asked Questions.

We work with customers across the credit spectrum – from excellent to challenged credit.

Most applications are approved instantly. Some may take up to 24 hours for manual review.

Yes, our secure online form makes applying quick and simple.

We finance up to $7500 depending on your credit profile and the item.

Absolutely. We support both big and small retailers across Canada.

Ready to Finance Your Next Purchase?

Apply today and take your product home tomorrow – no waiting, no stress.

Apply Now Become a Dealer