Payment plans, layaway and financing

Applying for financing

Payment plans need an approved financing application. Paying in full by card does not.

1. Go to My Account › Financing Information and open the application.
2. Fill in your personal, address and employment details.
3. Upload your documents:
   • a valid ID;
   • a selfie holding your ID;
   • a PAD form or void cheque;
   • photos of your card;
   • your last two pay slips;
   • a permit or residency card, if your situation needs one.
4. Enter your bank details and accept the consent.
5. Tap Submit.

We review your application and notify you. Once it's approved, you'll see your available credit, and the application is locked. To change something after that, tap Request a change.

How a payment plan works

• You choose a plan at checkout. The plans you're offered depend on your order total, and some plans are for HautiePass members only.
• Your first payment is charged to your card at checkout.
• The rest are taken every two weeks from your bank account by pre-authorized debit. They are equal amounts.
• Before you confirm, you see every payment date and amount, and the plan's extension fee.
• Items marked Pay in full only are included in your first payment.

Layaway

If an order is more than your available credit, it's placed on layaway:

1. You tick "I have read and agree to the Layaway Terms and Conditions."
2. We place a temporary hold on your card for the first payment. It is not charged yet.
3. Our team reviews the order, usually within two business days.
   • Approved: the first payment is charged and your schedule starts.
   • Not approved: the hold is released and nothing is charged. Your bank may take a few days to remove the hold.
4. Your item is kept for you and shipped once it's paid in full.

Paying early

The Pay button next to an installment in My Orders lets you pay it now, where it's offered. To pay off a plan early, text us. There is no penalty.

Missed payments

Please have funds available on each payment date. Under our Terms & Conditions:

• a missed or returned payment has a $39 fee;
• it's $75 if it's caused by a stop payment or an intentional decline;
• a 5% monthly add-on fee applies to any overdue balance;
• we may charge your saved card for a missed payment and its fee.