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finance options

Take up to 3 years to pay.
Monthly payments. No interest1

Choose from 3 to 36-month financing plans when you use your Sears Financial™ Credit Card at Sears1

 

At Sears, we provide you with a variety of finance options when you purchase Sears merchandise using your Sears Financial™ Credit Card*. To take advantage of one of these finance options, simply make your purchase today and select the payment option that works best for you.

 

Optional financing plans:

1. Equal payments, No Interest2

 

You can also choose to finance your purchase in equal monthly installments. Sears provides 5 options, to help you decide what best suits your needs. Interest will be waived on the financed amount if you pay the monthly installment plus the outstanding balance on your account in full. For more details, see below. If you would like to select this financing option, click on “Add to cart” below and it will be added to your shopping cart.

# Equal Monthly Payments Administration Fee (excluding Quebec) Minimum Purchase (Quebec only) Bonus Offer Number  
6 Equal Monthly Payments  $0.00 $200 941652591 Add to cart
12 Equal Monthly Payments $69.99 $200 941652592 Add to cart
18 Equal Monthly Payments $84.99 $200 941652593 Add to cart
24 Equal Monthly Payments $99.99 $200 941652594 Add to cart
36 Equal Monthly Payments $129.99 $200 941652595 Add to cart

Taxes, Administration Fee and Delivery charges are included in financed amount.
†By clicking on “Add to cart”, you agree to electronically receive additional disclosure for your financing program through this website.

 

2. No Interest With Minimum Payments3

 

You can choose to make monthly payments of 1% of your financed amount for either 3 or 12 months. These payments will be included in the minimum payment due on your monthly statement. Interest is waived on the financed amount if you pay the financed amount in full by the Promotion End Date shown on your statement. For more details, see below. If you would like to select this financing option, click on “Add to cart” below and it will be added to your shopping basket.

No interest with minimum payments Administration Fee (excluding Quebec) Minimum Purchase (Quebec only) Bonus Offer Number  
3 months $0.00 $200 941662790 Add to cart
12 months (taxes and admin fee payable upfront)** $74.99 $200 941662792 Add to cart

** Taxes, Administration Fee and Delivery Charges are payable upfront.
†By clicking on “Add to cart”, you agree to electronically receive additional disclosure for your financing program through this website.

 

1. 3 to 36 Month Financing Plans: On approved credit only on your Sears® MasterCard®, Sears® Voyage® MasterCard® or Sears Card. The annual fee for the Sears Voyage MasterCard is $39.00. Payment of administration fee, applicable taxes and delivery charges may be required upfront. Sears Club Points are awarded on optional financing programs on the Sears Financial MasterCard and the Sears Voyage MasterCard. Unless otherwise stated, optional financing offers on the Sears Card do not qualify for Sears Club Points.

2. «Equal Payments, No Interest» Offer: On approved credit. Pay in 6, 12, 18, 24 or 36 monthly installments on approved credit only on your Sears ®MasterCard®, Sears® Voyage™ MasterCard® or Sears Card. Interest will accrue on financed amount (which includes applicable administration fee, taxes and delivery charges) at the rate then in force for purchase transactions but will be waived if you pay the monthly installment plus the remainder of the New Balance amount on your statement in full when due. If not paid in full when due, interest on unpaid monthly installment accrued from the date posted to account will no longer be waived and will be charged to account. If account falls 4 billing cycles past due offer terminates and interest on unpaid balance of financed amount accrued from posting date will no longer be waived and will be charged to your account. See Cardholder Agreement for more details.

 

3. «No Interest with Minimum Payments» Offer: On approved credit on your Sears® MasterCard®, Sears® Voyage® MasterCard® or Sears Card. Interest will accrue on financed amount (3 month offer includes all applicable taxes and delivery charges; 12 month offer all applicable taxes, the admin fee and delivery charges will be due at time of purchase) from the date of the transaction at the rate then in force for purchase transactions but will be waived if financed amount paid in full on or before the Promotion End Date (shown on your statement). If not paid in full when due, or if account falls 4 billing cycles past due (and offer terminates), interest on unpaid balance of financed amount will no longer be waived and will be charged to your account commencing the first day of your next billing cycle after such event. Minimum monthly payments of 1% of the financed amount are required and will be included in the Base Payment due on your statement each month. See Cardholder Agreement for more details.

*Financing options available in Sears Department stores, Sears Home Stores, Sears Décor stores, Sears Appliance and Mattress stores, Sears Travel, Installed Home Improvement and Services, Sears Catalogue, and on sears.ca and select Specialty Services. Financing options vary by channel. Administration fees vary for the Installed Home Improvement channel, Specialty Services channel and Sears Travel. Not applicable on purchases from Sears.ca Outlet or Sears Outlet/Liquidation stores, or to purchase Gift Card.