Scotia SelectPay

Enjoy the flexibility of buying now and paying little by little. 
Turn eligible credit card purchases1 of $100 or more into fixed monthly payments with Scotia SelectPay2 during checkout or after purchase.


Flexible. Convenient. That’s the SelectPay way.

Make eligible credit card purchases1 more manageable. No credit checks needed.

No interest

No interest rate on your 
installment plan and a low fee2

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Flexible payment options

Choose a 3, 6, or
12-month installment plan3
to suit your budget

Continue to enjoy all your
credit card benefits

Continue to earn and enjoy your credit card benefits like your rewards, cash back, and insurance coverage.

Paying with Scotia SelectPay is easy

Online during checkout

Online during checkout with a participating merchant.

  1. Click checkout and input your eligible Scotiabank Visa* Card details.
  2. Choose a 3, 6, or 12-month plan3 from the list, 'Eligible for installments'. Installment plans are enabled by Visa*.  
  3. Review and agree to the Installment Plan Terms and Conditions
  4. Your receipt will include your installment plan details. 
  5. Sign into the Scotia mobile app or Scotia online banking to see your plan status after your transaction in posted (3-5 business days).

Or watch the video to learn more

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with an optional subtitle

Advice+ features 

Make the most of your money with the right advice 

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Buy Now, Pay Later plans (BNPL) and Scotia SelectPay Installment plans

Learn how installment plans on credit cards, like those available from Scotiabank through its SelectPayTM plans – can help to provide a flexible way to pay for planned and unplanned purchases (during Checkout and after Purchase).

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4 tips to help organize your finances and prepare for the future

How you can better manage your cashflow to get ready for your goals.

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What is a credit card installment plan and how can I make the most of it?

A credit card installment plan is a feature that can help you to pay for purchases on your credit card over a fixed period.

Scotia SelectPayTM FAQs


Visit our Help Centre to learn more

Start using Scotia SelectPayTM

3 ways to get started

During checkout (in-store or online) with Scotia SelectPay Installment Plan

During checkout you can choose a Scotia SelectPay installment plan for qualifying purchases at participating merchants. Installment plans are enabled by Visa*.

Get started with the Scotia mobile app

1. Download the Scotia mobile app or update it to the latest version

Scotia online banking

Start banking now from your computer, smartphone, or tablet.

1. Sign into Scotia online