Financing

Your dream sewing machine or long arm shouldn’t have to wait. At Cottage Quilting & Sewing Machine Destination, we’ve partnered with five trusted financing providers so you can bring home the machine you love today — and pay for it in a way that works for your budget. Applying takes under three minutes, and over 80% of applicants are approved.

Not sure which option is right for you? Contact us and we’ll walk you through it — no pressure, just helpful advice.

Why Finance with Us?

  • Flexible plans — including 0% financing options*
  • Over 80% approval rate — one of the highest in Canada
  • Fast approval — apply online or in-store in under three minutes
  • 100% paperless — no scanning, signing, or mailing
  • Easy online payments — manage your account through your own online banking
  • Get pre-approved — know your budget before you even come in to the store

Our Financing Partners

Financeit

Financeit
Purchases $500–$10,000 | Up to 60 months | 15.99%

Apply Now

 Flexiti

Flexiti Financial
Purchases $500+ | Rates vary by credit score | 0% available*
RBC Pay Plan

RBC Pay Plan
Purchases $300–$10,000 | 12, 24 & 36 month plans | 0%–19.99% APR**

 Catalyst Finance

Catalyst Finance
Best for large purchases over $10,000 (e.g. long arms) | Tailored to your needs

Apply Now with Catalyst

Shop Pay Installments — Buy now, pay later in 4 easy payments. Available at checkout.

Plan Details at a Glance

Flexiti Financial

  • $500–$1,000 — 0% interest, 6-month equal payments
  • $1,001–$3,000 — regular interest*, 24-month equal payments
  • $3,001+ — regular interest*, 36-month equal payments

*Varying interest rate based on your credit score.

Financeit

  • $500–$2,999 — up to 36 months at 15.99%
  • $3,000–$10,000 — up to 60 months at 15.99%

*Rates subject to change.

RBC Pay Plan

  • $300–$10,000 — choose the plan that suits your budget
  • 12, 24, and 36 month payment plans available

**Rates range from 0% to 19.99% APR. Subject to credit approval.

Catalyst Finance

  • Ideal for large purchases (long arms and equipment over $10,000)
  • Equipment financing for new and used purchases across Canada
  • Terms tailored to your specific needs

1) On approved credit. 2) Conditional upon ID verification, approved credit, and valid email address. 3) 0% financing off MSRP pricing only and/or subject to available promotional offers at Cottage Quilting Ltd.

Questions? Contact us or drop by the store — we’re happy to help you find the right financing plan for your purchase!