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Financing

Few ways to get Financing at Smart Wheel Canada

iFinance Canada provides up to 72 months of Financing terms on all our products over $500 value. 0% Financing available from flexible 3 months to 36 months terms*. Some conditions & fees apply

With Sezzle you can pay in 6 weeks equal payment plan at 0%. You can use Sezzle at Checkout for orders value $250 - $2500.

0% APR Financing available exclusively on select products and term* . Some conditions & fees apply. 

4 Easy Step to get you the Payment options you need

1- SEND US QUICK FINANCING REQUEST BELOW

 2- COMPLETE APPLICATION

We will send you sales quote, exact amount required to process your application and application link to complete your application online with financing companies directly.

3- SIGN DOCUMENTS with Financing Providers

 Once your application is approved and duly signed, the financing company will notify you and Smartwheel. 

 4- RECIEVE YOUR ITEM

 As soon we receive bank Funds clearance, your order will be confirmed and will be immediately shipped or arranged for pickup. 

 

What you need to know before applying?

1- Financing is offered on all orders with total order amount of CA$500. (72 months financing is offered on order above $3000)
2- Financing Terms & Condition, financing rates, etc are offered by 3rd party Financing companies (such as iFinance or Affirm).
3- No down payment is required to process financing applications unless you are not qualified for the full amount and want to pay balance as down-payment.
4- By Default, all financing applications are processed through iFinance Canada. Affirm is offered as special 0% rate financing occasionally as promotion on select term and products. iFinance now available on 3, 6, 12, 18, 24, and 36 months term on 0% promotional rate for a limited time.
5- All 0% Promotional rates are subject to below Onetime Application Processing & Admin Fees as of April 8th, 2024.
 

Terms

Application Processing Fees*

This admin fee is applied one time of the total invoice value and is not an interest rate. 
0% Terms
 iFinance
Affirm
6 Months
9.99%
Not Available
12 Months
9.99% 4.99%
9.99%
18 Months
14.99% 8.99%
 Not Available
24 Months
13.99%
 Not Available
36 Months
21.99%
 Not Available
 
6- Promotional 0% option cannot be combined with sales promotion, flash sales or any other price discount promotion.
7- All orders confirmed and delivered via financing arrangement are non returnable. However, products can be exchanged as per our Return and Exchange policy terms with same or Similar amount. (Any returns allowed in exceptional cases will be subject to up to a deduction). See Deduction Fee
8- Smartwheel Canada is not responsible for any errors, omissions or mistakes on behalf of iFinance, Affirm or any other Financing company. It is your responsibility to ensure all details are correct.

*0% fees refer to Smartwheel's application processing fees. The financing company may independently charge for their one-time service fees.

*Affirm Cost of Credit Disclosure: Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be 0–31.99% APR (where available and subject to provincial regulatory limitations). APR offered is based on creditworthiness and subject to an eligibility check. Not all customers will be eligible for 0% APR. Payment options depend on your purchase amount, may vary by merchant, and may not be available in all provinces/territories. Actual payment option terms will be shown at checkout. A down payment (or a payment due today) may be required. Affirm accepts debit cards and PAD as forms of repayment on payment options. Select payment options may be eligible for repayment in the form of credit cards. Please review the terms and conditions of your credit card when using it as a form of repayment. Sample payment options may be: a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. For more information, please see https://www.affirm.com/en-ca/how-it-works.

*Updated: Nov 1, 2024