Customer Help Center

PayPlan by RBC is a pay-over-time solution that helps you make purchases through equal monthly payments instead of an up-front lump sum. When you check out with PayPlan by RBC, you agree to accept the terms of taking an installment loan from RBC Ampli Inc., a wholly owned subsidiary of Royal Bank of Canada.

Our goal is to make your purchases more manageable by allowing you to pay for your IKEA purchases in a way that fits your budget. PayPlan by RBC loans provide flexible and transparent lending options.

Applying for a PayPlan by RBC loan only results in a soft inquiry (soft-credit check) and will not affect your credit score. Please note that, after your loan begins, RBC Ampli Inc. (which operates PayPlan by RBC) may report your monthly and final repayment status to credit reporting agencies, which may show up on your credit report and could impact your score.

If you experience a problem with your PayPlan by RBC loan, you can contact the PayPlan Customer Relations Centre at 1-844-915-2211.

If you experience a problem with your IKEA product/service, you can contact IKEA at 1-866-866-IKEA (4532) between 9am to 9pm EST

An applicant must have a valid Canadian post-paid (e.g. monthly, bi-weekly, etc.) mobile phone plan and a valid email address so we can verify their identity. Prepaid phone plans cannot be used to apply.

PayPlan by RBC applicants must be Canadian residents and over the age of majority in their province/territory of residence (i.e., 18 in Alberta, Manitoba, Ontario, Prince Edward Island, Quebec, Saskatchewan; 19 in British Columbia, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, Yukon Territory).

Applicants must also have a valid Canadian post-paid (e.g. monthly, bi-weekly, etc.) mobile phone plan and an email address so we can verify the applicants’ identity. Prepaid phone plans cannot be used to apply.

You are eligible to apply if you meet the above criteria.

Simply load your approved loan funds onto your Apple or Google Wallet on your mobile phone and tap to pay at checkout! Your loan will only be for the amount you use at check out, and any remaining funds will not be included in your loan amount.

REMEMBER: You can only use the approved funds one time within 72 hours of loading them to your wallet. If you don’t use the funds to make a purchase, the funds will be emptied from your mobile wallet and you will not have taken out a loan. If you want to use PayPlan by RBC to make a purchase in the future, you will need to re-apply.

You can only make payments on your loan via Pre-Authorized Debit. You cannot make payments via credit card.

To make a payment online, visit members.rbcpayplan.com and enter the mobile phone number associated with your PayPlan by RBC account. Once logged in, you can view the details of your loan, make a one-time payment or set up recurring auto-payments.

IKEA customers can use PayPlan by RBC to apply for an instalment loan between $1000 and $10,000 with terms ranging from 12 – 48 months for eligible IKEA products and services. PayPlan by RBC financing and instalment loans are not available for: IKEA Food products purchased at the IKEA Swedish Food Market, IKEA Restaurant, IKEA Bistro; IKEA gift cards; purchases with IKS kitchen installation services; third party services not billed by IKEA.