Major Purchases

Get what you want, when you want it. Whether it’s new appliances, a new living room set or a new grill for your backyard, XpressPay helps make large purchases more affordable with low monthly payments.

How it Works

Fill out our online application

Our easy online application only takes a few minutes of your time to complete.

Get instant approval

An email notification will be sent to you to confirm your approval details.

Finalize your purchase

Select your Merchant (if applicable), choose your payment plan, and finalize your purchase.

Make monthly payments

Pre-authorized payments, based on your chosen repayment schedule, will be set up through your chequing account at your current financial institution.

Calculate Payments

How much do you want to borrow?
For how long?
Loan amount
Loan Term
Repayment amount
Calculator is for illustration purposes only using a rate of 8.99%. Final payment amounts may vary. Interest rates and loan terms are subject to your personal credit score, the transaction amount, and the specific financing plans offered by your Merchant. Some conditions apply. Transactions are subject to approval through Omnia Direct.

Instant approvals

Affordable payments

No early repayment penalty fees

Lower rates than most credit cards

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