Customer Help Center
PayPlan by RBC @ Lowes, RONA, Réno Dépôt
PayPlan by RBC now offers a seamless in-store shopping experience at Lowes. Once approved, simply download your funds to your Apple or Google wallet and tap to pay at checkout with $0 due today. Just like other PayPlan by RBC programs, you pay off your loan in equal monthly instalments.
You can access the PayPlan by RBC application by scanning the QR codes placed around Lowe’s, RONA & Réno Dépôt stores. Remember, you will need the Apple or Google Wallet installed on your mobile device to use the funds.
Simply scan the QR codes placed around Lowe’s, RONA, and Réno Dépôt stores to access the application. Apply – it only takes a few minutes. That’s it! Simply download your approved loan into your wallet and tap to pay at checkout!
You can only tap your virtual card to pay at any Lowe’s, RONA and Réno Dépôt in Canada. You cannot make purchases from other stores.
Once you are approved and download your funds to your wallet, you will have 24 hours to use your funds to make a purchase. If you don’t use them, the funds will be emptied from your card – and don’t worry, you didn’t take out a loan! If you want to use PayPlan in the future you will need to re-apply.
No problem! If you come back and your original approval has expired – you simply need to fill out the application again! Don’t worry, applying doesn’t affect your credit score and takes only a few minutes!
PayPlan by RBC offers loans up to $10K on terms from 6 – 60 months. You will see how much you have qualified for and be able to select your APR and term options when you are pre-approved. Spend only what you’re comfortable with – the choice is yours!
Don’t worry! You won’t be subjected to regular tap limits. You will be able to spend as much as you have downloaded to your device in a single tap. No surprises, no balance carry overs and no tap limits!
PayPlan by RBCs virtual card is only compatible with Google and Apple wallets today. We will update our FAQs if we expand compatiability so check back here! Don’t forget the product can only be used on a mobile device so desktop applications would not be compatible either.
Yes – you must plan to purchase at least $300 of goods in order to use PayPlan by RBC. You can qualify for up to a $10K loan. Don’t worry, you will only take out a loan for what you spend at checkout!
We’re sorry for the inconveninence! PayPlan by RBC has its own credit granting criteria which may be different from the credit granting criteria for other types of credit applications. Each credit product is subject to its own standard credit granting criteria. Unfortunately we cannot share a specific reason for the decline, or any of the other factors that are part of our confidential credit underwriting requirements.
That’s easy! If you still have the card in your wallet simply go to the returns counter at Lowes and follow the standard return process. The funds will be refunded directly to your loan. If you have deleted your card from your wallet follow these steps: 1) scan the QR code in store 2) Enter your e mail address & Phone number 3) select “restore virtual card” 4) choose the card you want to restore 5) head to the returns counter and follow Lowe’s standard return process
PayPlan by RBC’s virtual cards are only designed for one-time use. If you spend less than your approval limit don’t worry, you only took out a loan for the amount you spent! If you want to make another purchase, you will need to apply for a new loan. Applying does not affect your credit score.
Yes! If you spend more than your approval limit you can split your payment at checkout. Pay for part of your purchase using PayPlan by RBC and pay for the rest using another payment type.
Yes! If you download the card and don’t want to use it simply delete it. As long as you didn’t make a purchase the loan was never issued. If you have already made a purchase, you will need to return your purchase for a full refund of the loan or pay the loan off in full through the PayPlan by RBC Member portal to cancel. There are no fees for cancelling and once cancelled you can access all your updated legal documents in the PayPlan by RBC Members Portal.
Yes! Your PayPlan by RBC loan will cover the entire purchase from Lowe’s, RONA or Réno Dépôt including taxes and fees charged by the merchant. Once you checkout you simply pay in equal monthly instalments. No hidden fees!
Don’t worry! You only take out a loan when you make a purchase. If you started your application or even downloaded your funds but never used them – there’s no loan so don’t worry!
It’s not you it’s us. If you’re seeing an error message when trying to apply please let us know by emailing us at [email protected] and we’ll try to get that resolved as quickly as possible. Please try applying again later.
We’re very sorry for the trouble. Please login tomorrow and try to “restore” virtual card. To restore the virtual card, scan the QR code, enter your e mail address and phone number, and select “restore virtual card.” Pick the card you want to restore and download it to your phone! If that doesn’t work – you will need to re-apply in the future.
Don’t worry. If you need to restore your virtual card to make a return or because you switched phones, scan the QR code, enter your e mail address and phone number and select “restore virtual card.” Pick the card you want to restore and download it to your new phone!