Financing

Financing Options at Optimum Plus


At Optimum Plus, we believe that furnishing your home should be easy and affordable. That’s why we’re proud to offer flexible financing options, so you can enjoy your new furniture now and pay for it in manageable installments.


Introducing PayPlan by RBC


We’ve added even more flexibility to your shopping experience with PayPlan by RBC. This financing option allows you to purchase furniture with a credit line ranging from $300 to $10,000.

  • Repayment Period: Up to 48 months
  • Interest Rates: 8% to 18%

The best part? It’s an easy, straightforward process with a soft credit check, making it simple for Canadian customers to access financing through a trusted bank.


Steps to Apply for PayPlan by RBC:

  1. Shop your dream furniture online or in-store.
  2. Apply for PayPlan by RBC financing.
  3. Once approved, receive your order and pay over time!


Financing Made Easy with Iceberg Finance

You can now make purchases of greater value and pay over time with our financing partner, Iceberg Finance. 

  • Credit Amounts: $1,500 to $5,000
  • Repayment Terms: 24 to 60 months
  • Interest Rate: Starting at just 12.99%

 How It Works:

  1. Shop: Select your favorite furniture in-store or online.
  2. Apply: Fill out the Iceberg Finance Online Form.
  3. Approval: If accepted, Iceberg Finance will contact you within one business day to confirm your loan.
  4. Delivery: Once Iceberg Finance processes the payment, we’ll arrange for your order to be delivered the next day.

The whole process typically takes 1-3 business days, so you can start enjoying your new furniture in no time!


Why Finance with Optimum Plus?

  • Convenience: Furnishing your home is easier than ever, thanks to our financing options.
  • Flexibility: Choose between Iceberg Finance or PayPlan by RBC, depending on your needs.
  • Affordability: Spread the cost of your purchase over several months with affordable interest rates and flexible terms.

From now on, you can furnish your home effortlessly with our financing solutions. Whether you're decorating a single room or your entire house, Optimum Plus has the right financing plan to fit your budget. Get started today and bring home the furniture you love, without breaking the bank!