Financing & Policies

Choose the path that fits your purchase. Use Shop Pay at checkout for eligible consumer orders, or apply for commercial financing for larger projects, facilities, and outfitting jobs.

Shop Pay

Flexible payments with Shop Pay

Give customers a simpler way to move forward now instead of waiting. Shop Pay helps eligible buyers split a purchase into manageable payments during checkout.

Bi-weekly payments

Split your purchase over 6 weeks at 0% APR.

Monthly installments

Plans from 3 to 12 months. Typical APR ranges from 10% to 36%.

Fast checkout

Select Shop Pay Installments at checkout to see available options instantly.

Step 1

Choose Shop Pay Installments at checkout.

Available options appear directly during checkout for eligible customers.

Step 2

Select your payment schedule.

Choose either the bi-weekly option or a monthly installment plan.

Step 3

Complete your purchase.

Pay over time while your equipment is being prepared.

Subject to eligibility. APR varies by credit profile and term.

FAQ

Is Shop Pay Installments safe?

Yes. Payments are processed by trusted Shopify partners using standard secure payment infrastructure.

Which cards are accepted?

Accepted card types depend on the provider and eligibility, but major debit and credit cards are commonly supported in Canada.

Does it affect my credit score?

Eligibility checks may involve a soft inquiry. If you accept a plan, payment performance may be reported according to the provider's own policies.

What if I return my order?

If a return is approved under the applicable return policy, your remaining payment schedule may be adjusted by the payment provider.

Example for 3,000 dollars over 12 months

  • Estimated monthly payment: 272.50 dollars at 12% APR
  • Estimated total interest: 270.00 dollars
  • Estimated total cost: 3,270.00 dollars

Commercial financing

Commercial and project financing

For outfitting jobs, larger equipment packages, and businesses that want to protect cash flow while moving forward now.

Monthly payment estimator

A quick estimate based on equipment value. Final terms depend on credit approval, project structure, and lender conditions.

Estimated monthly payment $0.00

Estimate only. Final terms depend on credit approval, project structure, and lender conditions.

Why customers use it

Fast approvals Approvals can happen in about 24 hours depending on the file.
Longer terms Terms up to 5 years with fixed monthly payments.
Predictable closeout 10 dollar buyout at end of term.
Preserve cash flow Preserve cash flow by leasing your equipment.

Apply for commercial financing

Tell us about your business and your project. A representative will contact you with the next steps.

Get a custom gym quote