www.cibc.com Open in urlscan Pro
2600:141b:13::172f:9191  Public Scan

Form analysis
5 forms found in the DOM

Name: basicSearch — GET /en/search-results.html

<form class="clearfix search-wrapper" name="basicSearch" novalidate="" role="search" method="GET" accept-charset="utf-8" onsubmit="return(submitSearch(this));" action="/en/search-results.html">
  <div class="id-search-suggestions sr-only search-suggestions hidden" aria-live="polite"></div>
  <label for="search-input" id="search-label" class="hidden">Search</label>
  <input class="search-input" type="search" name="qt" autocomplete="off" aria-autocomplete="list" aria-controls="searchInputPick" aria-activedescendant="" aria-label="" role="combobox" aria-owns="searchInputPick" aria-haspopup="listbox"
    aria-expanded="false" required="" placeholder="Search">
  <button class="close-icon" type="reset" aria-label="Reset">
    <span class="show-for-print">Reset</span></button>
  <button name="go" type="submit" class="search-button" title="Search"><span class="icon icon-search"></span>
    <span class="hidden open" data-label="Search">
      <span class="dropdown-label">Search</span>
    </span>
  </button>
  <span class="hidden js-promote-url-searchauto" aria-hidden="true"></span>
  <span class="hidden js-promote-url-search" aria-hidden="true"></span>
</form>

---

POST https://www.cibconline.cibc.com

<form class="sign-on-form" autocomplete="off" method="post" action="https://www.cibconline.cibc.com">
  <div class="card-number">
    <label for="card-number-0202f937">Card number</label>
    <input id="card-number-0202f937" name="card-number-0202f937" type="text" autocomplete="off" maxlength="19">
  </div>
  <div class="saved-cards" style="display: none;">
    <label for="saved-card-0202f937">Card number</label>
    <select id="saved-card-0202f937"></select>
  </div>
  <div class="remember-card">
    <input id="remember-card-0202f937" type="checkbox">
    <label for="remember-card-0202f937">Remember my card</label>
  </div>
  <div class="link delete-saved-card" style="display: none;">
    <a href="#" data-utc="C1:2167">
                            Delete this card
                            <span class="show-for-sr">as my saved card number</span>
                        </a>
  </div>
  <div class="link use-saved-card" style="display: none;">
    <a href="#" data-utc="C1:2170">
                            Use saved card
                            <span class="show-for-sr"> to CIBC Online Banking. Opens in a dialog.</span>
                        </a>
  </div>
  <div class="link use-new-card" style="display: none;">
    <a href="#" data-utc="C1:2168">
                            Sign on with a different card number
                            <span class="show-for-sr">to CIBC online banking.</span>
                        </a>
  </div>
  <div class="password">
    <label for="password-0202f937">Password</label>
    <input id="password-0202f937" type="password" autocomplete="off" maxlength="32">
  </div>
  <div class="link forgot-password">
    <span class="hyperlink">
      <a href="#">
                       Reset my password
                       <span class="show-for-sr"> for CIBC online banking.</span>
                       </a>
    </span>
  </div>
  <div class="buttons">
    <div class="button-container">
      <div class="button-padding">
        <a id="C1-2173" href="#" class="button secondary ">
                                        <span class="primary-label">Register</span>
                                        <span class="show-for-sr"> for CIBC Online Banking.</span>
                                    </a>
      </div>
    </div>
    <div class="button-container">
      <div class="button-padding">
        <button type="submit" id="button-1517415483758" class="button primary ">
          <span class="primary-label"><b>Sign on</b></span>
          <span class="show-for-sr"> to CIBC Online Banking. Opens in a dialog.</span>
        </button>
        <div class="spinner"></div>
      </div>
    </div>
  </div>
</form>

---

Name: basicSearch — GET /en/search-results.html

<form class="clearfix search-wrapper" name="basicSearch" novalidate="" role="search" method="GET" accept-charset="utf-8" onsubmit="return(submitSearch(this));" action="/en/search-results.html">
  <div class="id-search-suggestions sr-only search-suggestions hidden" aria-live="polite"></div>
  <label for="search-input" id="search-label" class="hidden">Search</label>
  <input class="search-input" type="search" name="qt" autocomplete="off" aria-autocomplete="list" aria-controls="searchInputPick" aria-activedescendant="" aria-label="" role="combobox" aria-owns="searchInputPick" aria-haspopup="listbox"
    aria-expanded="false" required="" placeholder="Search">
  <button class="close-icon" type="reset">
  </button>
  <button name="go" type="submit" class="search-button" aria-label="the CIBC website"><span class="icon icon-search"></span>
    <span class="hidden open">
      <span class="dropdown-label"></span>
    </span>
  </button>
  <span class="hidden js-promote-url-searchauto" aria-hidden="true"></span>
  <span class="hidden js-promote-url-search" aria-hidden="true"></span>
</form>

---

POST https://www.cibconline.cibc.com

<form class="sign-on-form" autocomplete="off" method="post" action="https://www.cibconline.cibc.com">
  <div class="card-number">
    <label for="card-number-7f9cc35c">Card Number</label>
    <input id="card-number-7f9cc35c" name="card-number-7f9cc35c" type="text" autocomplete="off" maxlength="19">
  </div>
  <div class="saved-cards" style="display: none;">
    <label for="saved-card-7f9cc35c">Card Number</label>
    <select id="saved-card-7f9cc35c"></select>
  </div>
  <div class="remember-card">
    <input id="remember-card-7f9cc35c" type="checkbox">
    <label for="remember-card-7f9cc35c">Remember my card number</label>
  </div>
  <div class="link delete-saved-card" style="display: none;">
    <a href="#" data-utc="C1:2448">
                            Delete this card
                            <span class="show-for-sr">as my saved number</span>
                        </a>
  </div>
  <div class="link use-saved-card" style="display: none;">
    <a href="#" data-utc="C1:2451">
                            Use saved card
                            <span class="show-for-sr">to sign on to C I B C Online Banking</span>
                        </a>
  </div>
  <div class="link use-new-card" style="display: none;">
    <a href="#" data-utc="C1:2449">
                            Sign on with a different card number
                            <span class="show-for-sr">to C I B C online banking</span>
                        </a>
  </div>
  <div class="password">
    <label for="password-7f9cc35c">Password</label>
    <input id="password-7f9cc35c" type="password" autocomplete="off" maxlength="32">
  </div>
  <div class="link forgot-password">
    <span class="hyperlink">
      <a href="#">
                       Reset my password
                       <span class="show-for-sr">for C I B C online banking</span>
                       </a>
    </span>
  </div>
  <div class="buttons">
    <div class="button-container">
      <div class="button-padding">
        <a id="C1-2454" href="#" class="button secondary ">
                                        <span class="primary-label">Register</span>
                                        <span class="show-for-sr">for C I B C online banking</span>
                                    </a>
      </div>
    </div>
    <div class="button-container">
      <div class="button-padding">
        <button type="submit" id="button-1520360370720" class="button primary ">
          <span class="primary-label"><b>Sign On</b></span>
          <span class="show-for-sr">to C I B C online banking</span>
        </button>
        <div class="spinner"></div>
      </div>
    </div>
  </div>
</form>

---

GET https://locations.cibc.com/search

<form method="get" action="https://locations.cibc.com/search" target="_blank" class="footer-find-branch-form">
  <label aria-label="Find a branch or ATM" class="search-postal-code-label subheading-medium" for="findBranch">
    <span class="icon icon-location"></span>Find a branch or ATM </label>
  <input name="locale" value="en_CA" type="hidden">
  <input class="search-input left" id="findBranch" maxlength="230" name="q" placeholder="Enter address or postal code" type="text">
  <button id="button-1520296421000" class="search-button right button primary" title="Search">
    <span class="show-for-sr">for a CIBC banking centre or ATM. Opens a new window in your browser.</span>
    <span class="icon-search textInputRight"></span>
  </button>
</form>

---

Text Content

Cookie notice

CIBC uses cookies to understand how you use our website and to improve your
experience. This includes personalizing CIBC content on our mobile apps, our
website and third-party sites and apps. To learn more about how we do this, go
to Manage my advertising preferences.

Close

Accessibility Quick Links

 * Skip to Online Banking
 * Skip to Content
 * Skip to Navigation

 * Personal
 * Business
 * Commercial
 * About CIBC
 * CIBC Websites

 * Special Offers
 * English Opens in a dialog.


Search Reset Search
Contact Us Opens in a new window.
Sign On to CIBC Online Banking. Opens in a dialog.

Are you sure you want to delete this saved card number?



Cancel
Delete
Mobile banking
Online banking
Card number
Card number
Remember my card
Delete this card as my saved card number
Use saved card to CIBC Online Banking. Opens in a dialog.
Sign on with a different card number to CIBC online banking.
Password
Reset my password for CIBC online banking.
Register for CIBC Online Banking.
Sign on to CIBC Online Banking. Opens in a dialog.

We're sorry, CIBC Online Banking is currently unavailable. We apologize for any
inconvenience.
Security guaranteed shield
Electronic access agreement
Use left/right arrow keys to move between top level menu items. Arrow keys or
space bar to move among menu items or open a sub-menu. ESC to close a sub-menu
and return to top level menu items.
 * Bank Accounts
   
   Bank Accounts
   
   --------------------------------------------------------------------------------
   
    
   
    * Explore Bank Accounts
    * Chequing
    * Savings
    * Business
    * Prepaid Cards
    * Overdraft Protection
   
   Offers and Bundles
   
   --------------------------------------------------------------------------------
   
    
   
    * Students
    * Clients under 25
    * Seniors
    * Foreign Workers
    * New to Canada
    * Banking Bundle
    * Cross-Border Banking
   
   Tools and Resources
   
   --------------------------------------------------------------------------------
   
    
   
    * Compare Bank Accounts
    * Bank Account Selector
    * Bank Account Calculators
    * Bank Account Rates
   
   OUR BIGGEST OFFER: Get up to $400† with a CIBC Smart™ Account.
   
   
   Learn how to qualify for the CIBC Smart Account offer.
   
   
 * Credit Cards
   
   Discover Our Cards
   
   --------------------------------------------------------------------------------
   
    
   
    * Travel Rewards Cards
    * Aeroplan Cards
    * Cash Back Cards
    * Costco Cards
    * No Fee Cards
    * Low Interest Cards
    * Student Cards
    * Business Cards
    * New to Canada
   
   Credit Cards
   
   --------------------------------------------------------------------------------
   
    
   
    * Explore Credit Cards
    * View All Credit Cards
    * Credit Card Rewards
    * Manage My Card
    * Learn About Credit
   
   Tools and Resources
   
   --------------------------------------------------------------------------------
   
    
   
    * Rewards Calculator
    * Aventura Points Flight Finder
    * Agreements and Insurance
   
   WELCOME OFFER: Join and get over $1,200 in value with the CIBC Aventura® Visa
   Infinite* Card.†
   
   Learn more about the CIBC Aventura Visa Infinite welcome offer. Opens in a
   new window.
   
   
 * Mortgages
   
   Mortgages
   
   --------------------------------------------------------------------------------
   
    
   
    * Explore Mortgages
    * First Time Home Buyer
    * Fixed Rate Mortgages
    * Buy Your Next Property
    * Variable Rate Mortgage
    * Renew Your Mortgage
    * Home Power Plan Solution
    * Use Your Home Equity
    * Offers
    * Cross-Border Banking
    * Move Your Mortgage to CIBC
    * New to Canada
   
   Tools and Resources
   
   --------------------------------------------------------------------------------
   
    
   
    * Compare Mortgages
    * Calculators
    * Mortgage Resource Centre
    * Contact Us
    * Mortgage Rates
    * Apply for a Mortgage
   
   Get up to $3,000 cash back† when you get a CIBC Mortgage.
   
   
   Learn more
   
   
 * Lending
   
   Lending
   
   --------------------------------------------------------------------------------
   
    
   
    * Explore Lending
    * Loans
    * Lines of Credit
    * Student Lines of Credit
    * Business Loans and Lines of Credit
    * Car Loans
   
   Tools and Resources
   
   --------------------------------------------------------------------------------
   
    
   
    * Compare Products
    * Lending Resource Centre
    * Find your Borrowing Solution
    * Apply for Loan or Line of Credit
    * Loan Calculators
   
   A line of credit to help conquer your goals. Enjoy a low introductory rate†,
   equal to CIBC Prime, until November 20, 2022.
   
   Learn more about this low introductory rate.
   
   
 * Investments
   
   Investments
   
   --------------------------------------------------------------------------------
   
    
   
    * Explore Investments
    * Education - RESPs
    * GICs
    * Disability - RDSPs
    * Mutual Funds
    * Tax-Free Savings Accounts
    * Exchange Traded Funds (ETFs)
    * Self-Directed Brokerage
    * Portfolio Solutions
    * Precious Metals Purchasing
    * Structured Notes
    * Retirement Planning
    * Canadian Depositary Receipts
   
   Tools and Resources
   
   --------------------------------------------------------------------------------
   
    
   
    * Investment Calculators
    * Investment Rates
    * Purchase an Investment
   
   Start saving today, tax-free. Discover the ways a Tax-Free Savings Account
   (TFSA) can help you grow your savings.
   
   Learn more about tax-free savings accounts.
   
   
 * Insurance
   
   Explore Insurance
   
   --------------------------------------------------------------------------------
   
    
   
    * Travel Insurance
    * Creditor Insurance
   
   Travel Insurance
   
   --------------------------------------------------------------------------------
   
    
   
    * Travel Medical Insurance
    * Trip Cancellation and Interruption Insurance 
    * Comprehensive Travel Insurance 
   
   Creditor Insurance
   
   --------------------------------------------------------------------------------
   
    
   
    * Creditor Insurance for CIBC Mortgages
    * Creditor Insurance for CIBC Personal Lines of Credit
    * CIBC Payment Protector™ Insurance for CIBC Credit Cards
    * Creditor Insurance for CIBC Personal Loans
   
   Ensure you’re protected from the unexpected with the CIBC Payment Protector™
   Insurance for Credit Cards.
   
   Learn more about CIBC Payment Protector Insurance for Credit Cards.
   
   
 * Ways to Bank
   
   Ways to Bank
   
   --------------------------------------------------------------------------------
   
    
   
    * Explore Ways to Bank
    * ATM and Branch Network
    * Cross-Border Banking
    * Mobile Services
    * Experts
    * Foreign Cash
    * Online Services
    * How-to
    * Global Money Transfer
    * Ways to Pay
    * How-to Videos
    * Interac  e-Transfer® service
    * Wire Transfer
    * Virtual Assistant
   
   Banking for Life
   
   --------------------------------------------------------------------------------
   
    
   
    * New to Canada
    * Students
    * Seniors
    * Climate Centre
   
   Need to meet? Get expert help with accounts, loans, investments and more.
   
   Meet with us Opens in a new window.
   
   
 * Smart Advice
   
   Life Moments
   
   --------------------------------------------------------------------------------
   
    
   
    * Buying or Renting a Home
    * Enjoying Retirement
    * Going to School
    * Growing Wealth
    * Moving to Canada
   
   How To
   
   --------------------------------------------------------------------------------
   
    
   
    * Borrowing and Credit
    * Building Savings
    * Investing
    * Managing Debt
    * Tax Tips
   
   Tools and Calculators
   
   --------------------------------------------------------------------------------
   
    
   
    * Car Loan
    * Loan and Line of Credit
    * Mortgage Affordability
    * Savings
    * Tax-Free Savings Account
   
   We've got the tools and tips to grow your financial know-how.
   
   CIBC Smart Advice about our resources.
   
   

 * Personal
   * Explore Personal Banking
   * Bank Accounts
   * Credit Cards
   * Mortgages
   * Lending
   * Investments
   * Insurance
   * Ways to Bank
   * Smart Advice
 * Business
   * Explore Business Banking
   * Accounts
   * Credit Cards
   * Borrowing
   * Investing
   * Cash Management
   * Starting Your Business
   * Healthcare
     * Physicians and Surgeons
     * Dentists
     * Optometrists
     * Internationally Trained Dentists
     * Medical Residents and Fellows
     * Medical and Dental Students
   * Advice
 * Commercial
   * Explore Commercial
   * Business Solutions
   * Areas of Specialization
   * About Us
   * Contact Us
 * About CIBC
   * Explore About CIBC
   * Corporate Profile
   * Corporate Governance
   * Corporate Responsibility
   * Investor Relations
   * Media Centre
   * Careers
 * CIBC Websites
   * CIBC Imperial Service
   * CIBC Imperial Investor Service
   * CIBC Investor's Edge
   * CIBC Wood Gundy
   * CIBC Private Wealth Management
   * Capital Markets
   * Banking for Students
   * All CIBC Websites

 * Special Offers
 * Find a Branch
 * Contact Us
 * English Opens in a dialog.

Opens navigation menu.


Search
Contact Us
Sign On to CIBC Online or Mobile Banking

Are you sure you want to delete this saved card number?



Cancel
Delete
Mobile Banking
Online Banking
Card Number
Card Number
Remember my card number
Delete this card as my saved number
Use saved card to sign on to C I B C Online Banking
Sign on with a different card number to C I B C online banking
Password
Reset my password for C I B C online banking
Register for C I B C online banking
Sign On to C I B C online banking

We're sorry, CIBC Online Banking is currently unavailable. We apologize for any
inconvenience.
Security Guaranteed
Electronic Access Agreement
 * Personal
 * Credit Cards
 * Manage My Card
 * CIBC Pace It Installment Plans

CIBC Pace It Installment Plans


MANAGE YOUR CARD


CIBC PACE IT™

Some purchases just can't wait. Pay off those large purchases at a pace that
works for you with low interest rate Installment Plans.1

Select region for Installment Plan options
Canada (excluding Quebec)
 * Canada (excluding Quebec)
 * Quebec only


PAY OFF LARGE OR UNPLANNED PURCHASES AT A LOWER INTEREST RATE

Whether it's completing home renovations, planning your next trip, or dealing
with something unexpected, manage your cash flow and get the things you
need. With CIBC Pace It, you can pay off eligible large credit card purchases
with Installment Plans at lower interest rates — no credit checks or approvals
required. Convert your eligible purchases online, and pay at the pace that works
for you.


EASILY BUDGET YOUR SPENDING

Pay off big purchases in monthly installments at a lower interest rate.




ENJOY GREATER FLEXIBILITY

Create multiple Installment Plans within your credit limit, with no additional
credit checks required. Continue to earn rewards on purchases you've converted.




MANAGE ON YOUR OWN

Set up Installment Plans in 3 simple steps through CIBC Online Banking® or the
CIBC Mobile Banking® App. No enrollment or approval needed.





CIBC PACE IT AT A GLANCE

The Installment Plan options on this page are for illustrative purposes
only. Sign on to online or mobile banking to review available interest rates,
including special merchant rates, and set up your Installment Plan.


MINIMUM PURCHASE AMOUNT

$100

--------------------------------------------------------------------------------


INSTALLMENT PLAN OPTIONS FOR CANADA (EXCLUDING QUEBEC RESIDENTS)

6
monthly payments at 5.99%

12
monthly payments at 6.99%

24
monthly payments at 7.99%



ONE TIME INSTALLMENT FEE

1.50%

of purchase amount

Frequently asked questions  Skip to FAQ.



HOW DO I QUALIFY?

CIBC PACE IT:

 * You're the primary cardholder of an eligible CIBC credit card that's in good
   standing  Learn about eligible CIBC credit cards. Opens in a dialog.
 * You're registered for CIBC Online or Mobile Banking
 * You have a qualifying purchase on your eligible CIBC credit card labelled
   "Eligible for Installments"  Learn about qualifying purchases. Opens in a
   dialog.

CIBC CREDIT CARD:

 * You've reached the age of majority in your province or territory  Learn about
   the age of majority. Opens in a dialog.
 * You haven't declared bankruptcy within the last 7 years and you meet the
   other CIBC credit card eligibility requirements

Sign on to set up an Installment Plan

Don't have a CIBC credit card? Apply for one today. Explore credit cards.



GET SPECIAL RATES WITH CIBC PACE IT™ INSTALLMENT PLANS ON COSTCO PURCHASES

With a CIBC Costco®† Mastercard® you can take advantage of special Installment
Plan interest rates with no installment fees on eligible Costco purchases in
Canada and at Costco.ca Opens in a new window..

Learn more about these special interest rates Skip to CIBC Pace It.


HOW TO SET UP A CIBC PACE IT INSTALLMENT PLAN

If you have an eligible CIBC credit card, create an Installment Plan through
online or mobile banking. 


CHOOSE AN ELIGIBLE PURCHASE

Sign on and review your credit card transaction history. Choose a purchase with
an "Eligible for Installments" label.




PICK AN INSTALLMENT OPTION

Review the Installment Plan options, including your monthly payment and the One
Time Installment Fee, if applicable. Choose the plan that works best for you.




CREATE YOUR CIBC PACE IT INSTALLMENT

Review and agree to the terms and conditions. Confirm to create the Installment
Plan. Your Installment Plan may take 2 to 3 business days to process.



Video: CIBC Pace It™ — What are Installment Plans? (2:16)

Transcriptfor CIBC Pace It — What are Installment Plans video. Opens in a new
window.



Video: CIBC Pace It™ — How to manage your Installment Plans (1:48)

Transcriptfor CIBC Pace It — How to manage your Installment Plans video. Opens
in a new window.




CALCULATE INSTALLMENT PLAN PAYMENTS

Enter the purchase amount and choose an installment option. We'll calculate the
monthly installment payment.  

This calculator is for illustrative purposes only. Installment Plan options
available to you may differ and may change from time to time.


CHOOSE A CIBC PACE IT PLAN

--------------------------------------------------------------------------------

 

Enter a purchase amount $100.00 Enter a purchase amount of at least $100.
Select an Installment Plan for Canada (excluding Quebec residents)
6 monthly payments at 5.99%
12 monthly payments at 6.99%
24 monthly payments at 7.99%
Calculate monthly payments


YOUR INSTALLMENT PLAN DETAILS

--------------------------------------------------------------------------------

 

Estimated monthly payment (including interest):

$16.96

One Time Installment Fee:

$1.50

Estimated total amount:

$103.26

Estimated amount of less interest you'd pay if paid over the period selected at
20.99%:

$2.95

All dollar values are in Canadian dollars.

Estimated total calculation assumes the monthly Installment Plan payments are
made on the statement payment due date. If you pay a One Time Installment Fee,
the total includes this fee. 

Estimated less interest paid calculation assumes you make equal monthly payments
at an annual interest rate of 20.99% over the same period as the Installment
Plan option you select. If you pay a One Time Installment Fee on the Installment
Plan, the calculation includes this fee.

Your minimum payment due on your credit card will increase by your monthly
installment payment amount once you create an Installment Plan.

For more credit card tips and resources, visit manage my card.


PAY OFF LARGE OR UNPLANNED PURCHASES AT A LOWER INTEREST RATE

Whether it's completing home renovations, planning your next trip, or dealing
with something unexpected, manage your cash flow and get the things you
need. With CIBC Pace It, you can pay off eligible large credit card purchases
with Installment Plans at lower interest rates — no credit checks or approvals
required. Convert your eligible purchases online, and pay at the pace that works
for you.


EASILY BUDGET YOUR SPENDING

Pay off big purchases in monthly installments at a lower interest rate.




ENJOY GREATER FLEXIBILITY

Create multiple Installment Plans within your credit limit, with no additional
credit checks required. Continue to earn rewards on purchases you've converted.




MANAGE ON YOUR OWN

Set up Installment Plans in 3 simple steps through CIBC Online Banking® or the
CIBC Mobile Banking® App. No enrollment or approval needed.





CIBC PACE IT AT A GLANCE

The Installment Plan options on this page are for illustrative purposes
only. Sign on to online or mobile banking to review available interest rates,
including special merchant rates, and set up your Installment Plan.


MINIMUM PURCHASE AMOUNT

$100

--------------------------------------------------------------------------------


INSTALLMENT PLAN OPTIONS FOR QUEBEC RESIDENTS ONLY

6
monthly payments at 7.99%

12
monthly payments at 8.99%

24
monthly payments at 9.99%



NO INSTALLMENT FEE IS APPLICABLE FOR QUEBEC RESIDENTS.

Frequently asked questions 



HOW DO I QUALIFY?

CIBC PACE IT:

 * You're the primary cardholder of an eligible CIBC credit card that's in good
   standing  Learn about eligible CIBC credit cards. Opens in a dialog.
 * You're registered for CIBC Online or Mobile Banking
 * You have a qualifying purchase on your eligible CIBC credit card labelled
   "Eligible for Installments"  Learn about qualifying purchases. Opens in a
   dialog.

CIBC CREDIT CARD:

 * You've reached the age of majority in your province or territory  Learn about
   the age of majority. Opens in a dialog.
 * You haven't declared bankruptcy within the last 7 years and you meet the
   other CIBC credit card eligibility requirements

Sign on to set up an Installment Plan

Don't have a CIBC credit card? Apply for one today. Explore credit cards.



GET SPECIAL RATES WITH CIBC PACE IT™ INSTALLMENT PLANS ON COSTCO PURCHASES

With a CIBC Costco®† Mastercard® you can take advantage of special Installment
Plan interest rates with no installment fees on eligible Costco purchases in
Canada and at Costco.ca Opens in a new window..

Learn more about these special interest rates Skip to CIBC Pace It.


HOW TO SET UP A CIBC PACE IT INSTALLMENT PLAN

If you have an eligible CIBC credit card, create an Installment Plan through
online or mobile banking. 


CHOOSE AN ELIGIBLE PURCHASE

Sign on and review your credit card transaction history. Choose a purchase with
an "Eligible for Installments" label.




PICK AN INSTALLMENT OPTION

Review the Installment Plan options, including your monthly payment and the One
Time Installment Fee, if applicable. Choose the plan that works best for you.




CREATE YOUR CIBC PACE IT INSTALLMENT

Review and agree to the terms and conditions. Confirm to create the Installment
Plan. Your Installment Plan may take 2 to 3 business days to process.



Video: CIBC Pace It™ — What are Installment Plans? (2:16)

Transcriptfor CIBC Pace It — What are Installment Plans video. Opens in a new
window.



Video: CIBC Pace It™ — How to manage your Installment Plans (1:48)

Transcriptfor CIBC Pace It — How to manage your Installment Plans video. Opens
in a new window.




CALCULATE INSTALLMENT PLAN PAYMENTS

Enter the purchase amount and choose an installment option. We'll calculate the
monthly installment payment.  

This calculator is for illustrative purposes only. Installment Plan options
available to you may differ and may change from time to time.


CHOOSE A CIBC PACE IT PLAN

--------------------------------------------------------------------------------

 

Enter a purchase amount $100.00 Enter a purchase amount of at least $100.
Select an Installment Plan for Quebec residents only
6 monthly payments at 7.99%
12 monthly payments at 8.99%
24 monthly payments at 9.99%
Calculate monthly payments


YOUR INSTALLMENT PLAN DETAILS

--------------------------------------------------------------------------------

 

Estimated monthly payment (including interest):

$17.06

No Installment Fee for Quebec residents

$0.00

Estimated total amount:

$102.36

Estimated amount of less interest you'd pay if paid over the period selected at
20.99%:

$3.86

All dollar values are in Canadian dollars.

Estimated total calculation assumes the monthly Installment Plan payments are
made on the statement payment due date. If you pay a One Time Installment Fee,
the total includes this fee. 

Estimated less interest paid calculation assumes you make equal monthly payments
at an annual interest rate of 20.99% over the same period as the Installment
Plan option you select. If you pay a One Time Installment Fee on the Installment
Plan, the calculation includes this fee.

Your minimum payment due on your credit card will increase by your monthly
installment payment amount once you create an Installment Plan.

For more credit card tips and resources, visit manage my card.

Return to options


YOUR CIBC PACE IT QUESTIONS ANSWERED


SETTING UP INSTALLMENT PLANS AND HOW THEY WORK

How do I know if a transaction is eligible for CIBC Pace It Installment Plans?

To be eligible for an Installment Plan, your purchase must fit the following
criteria:

 * A posted purchase of $100 or more.
 * A purchase posted in the current cycle, and not yet on a monthly statement.
   Purchases posted in a previous statement are not eligible.
 * A purchase made on an eligible CIBC credit card.
 * A purchase made on an account in good standing and not over limit. Secured,
   hypothecated or guaranteed accounts are also not eligible.

Purchases eligible for Installment Plans will be labelled “Eligible for
Installments” in mobile and online banking.

Transactions such as interest, fees, cash advances, CIBC Payment Protector™
Insurance premium charges or pre-authorized debit transactions aren’t eligible
for CIBC Pace It Installment Plans.

Here's an example of a less common instance where a transaction would not be
eligible:

 * If you have a $1,000 purchase, and make a $200 payment to your account, you
   won't be able to create an Installment Plan on the $1,000 purchase, as your
   Balance applicable to purchases is $800.

Can I combine multiple purchases into one Installment Plan? Select to show or
hide answer.

No, you can't combine multiple purchases into one Installment Plan. You need to
create new Installment Plans for each eligible purchase.

Why are there different Installment Plan rates and fees?

We always try to ensure our rates and fees remain competitive. Your Installment
Plan options will be available when you create the Installment Plan. They're
based on the following criteria:

a) Your province of residence 

b) The merchant you shopped at

c) Your credit card product

Where can I review my Installment Plan details? Select to show or hide answer.

After you create your Installment Plan, it may take 2 to 3 business days before
you see your Installment Plan details.

There are several ways to access your Installment Plan details.

Mobile banking:

 * Sign on and select your credit card
 * In the Summary tab, go to "More Options" then select "CIBC Pace It
   Installment Plan"

Online banking:

 * Sign on and select your credit card
 * Go to "Manage my Card" then select "My CIBC Pace It Installment Plan"

You can also review your Installment Plan details on your monthly credit card
statement. Learn more about reading your credit card statement.

If my authorized user makes purchases, can I set up Installment Plans on those
purchases? Select to show or hide answer.

Yes, you can convert eligible purchases from an authorized user’s credit card to
Installment Plans. But only you as the primary cardholder can request
Installment Plans, not your authorized user.

How do you calculate my monthly payments and interest for my Installment Plan?
Select to show or hide answer.

We calculate your Installment Plan monthly payments and interest at the time you
convert a purchase into an Installment Plan. For your first payment, the entire
amount goes toward paying off your principal. The interest portion of your
monthly Installment Plan payment decreases with each payment you make, starting
from your second payment.

You can calculate your estimated monthly payment based on the purchase you want
to convert using our Installment Plan calculator Skip to calculate Installment
Plan payments.. 

Example:

You buy a new couch for $900 with your eligible CIBC credit card. You decide to
convert the purchase to a 6-month Installment Plan at 5.99%.

If you pay the Minimum Payment or Amount Due by the due date as shown on your
credit card statement, you'll also be making your monthly Installment Plan
payment.

Breakdown of payments to pay off your Installment Plan

Monthly payment Monthly Installment Plan payment Interest Paid Principal paid
Ending installment principal Ending installment balance Installment Plan
conversion $0.00 $0.00 $0.00 $900 $900 Month 1 $152.63 $0.00 $152.63 $747.37 
$752.55 Month 2 $152.63 $5.18 $147.45 $599.92 $603.35 Month 3 $152.63 $3.43
$149.20 $450.72 $453.50 Month 4 $152.63 $2.78 $149.85 $300.87 $302.84 Month 5
$152.63 $1.97 $150.66 $150.21 $151.46 Month 6 $151.46 $1.25 $150.21 $0.00 $0.00
Total   $14.61 $900    

The ending installment balance includes the ending installment principal after
you've made each payment and the applicable installment interest as shown on
your statement.

Installment summary on your monthly statements

Statement Original Installment Plan amount Term and annual interest rate Monthly
payment due Interest Current balance Statement 1 $900 6 month installment at
5.99% $152.63  $0.00 $900 Statement 2 $900 6 month installment at 5.99% $152.63 
$5.18 $752.55 Statement 3 $900 6 month installment at 5.99% $152.63  $3.43
$603.35 Statement 4 $900 6 month installment at 5.99% $152.63  $2.78 $453.50
Statement 5 $900 6 month installment at 5.99% $152.63  $1.97 $302.84 Statement 6
$900 6 month installment at 5.99% $151.46 $1.25 $151.46

The current balance you'll see on the statement includes the monthly payment due
and associated interest.

Does using CIBC Pace It affect my available credit? Select to show or hide
answer.

No, using CIBC Pace It doesn’t change your available credit. The original
purchase amount is automatically deducted from your available credit. As you pay
off your monthly installments, the amount you pay off is added back to your
available credit.

Example:
Your credit limit: $5,000
Purchase converted to Installment Plan: $900 for a new couch
Installment Plan selected: 6 months at 5.99%
One Time Installment Fee: 1.50% of the transaction ($13.50)
Available credit: Credit limit ($5,000) – Transaction total ($900) – One Time
Installment Fee ($13.50) = $4,086.50

What happens if I return a purchase that I've converted into an Installment
Plan? Select to show or hide answer.

If you return a purchase that you’ve converted into an Installment Plan, you’ll
receive a credit for the return in your account. The credit gets applied to the
overall balance in your account, not the Installment Plan. If your return credit
is less than your current credit card balance, your Installment Plan won’t be
cancelled, and will continue as scheduled. If you no longer want your
Installment Plan, cancel it through mobile or online banking.

What happens if I dispute a purchase after it was converted to an Installment
Plan? Select to show or hide answer.

If you dispute a purchase that was converted to an Installment Plan, your
Installment Plan payments continue as scheduled. You can cancel your Installment
Plan at any time in mobile or online banking. To view the complete terms and
conditions of your Installment Plan, visit Terms and conditions Skip to Terms
and conditions.


PAYING OFF INSTALLMENT PLANS

Are there any fees associated with setting up CIBC Pace It? Select to show or
hide answer.

A one time Installment Fee may apply to your requested Installment Plan. If
applicable, this fee will be disclosed to you before you request to create your
Installment Plan. The one time Installment Fee, if applicable, will be
charged in the first monthly credit card statement after the Installment Plan is
created. The fee will be included in your minimum payment and also part of your
total balance. This fee doesn't apply to Quebec residents.

For example: If you set up a CIBC Pace It Installment Plan on a $900 purchase of
a new couch, and the One Time Installment Fee is 1.50%, you'll be charged $13.50
(1.50% of $900).

When do I make my monthly Installment Plan payments? Select to show or hide
answer.

Make your monthly Installment Plan payments when they show up on your next
credit card statement after you created the Installment Plan. The monthly
Installment Plan payment appears on your credit card statement as part of the
minimum payment due and amount due.

Learn more about how to read your credit card statement.


Why doesn't my first monthly Installment Plan payment include interest? Select
to show or hide answer.

Your first monthly Installment Plan payment goes toward the principal only.
You'll begin to see interest for your Installment Plan monthly payment on your
second statement after you've created your Installment Plan. The interest is
calculated from the day you create your Installment Plan to that second
statement date.

Can I make an extra payment towards my Installment Plan? Select to show or hide
answer.

If you pay more than your amount due, the excess amount goes to unbilled
purchases and Installment Plan payments not yet due at that time.

To find out how we apply payments to your account, refer to the CIBC Cardholder
Agreement (PDF, 230 KB)  Opens in a new window.

What happens if I miss my minimum payment or only pay part of it? Select to show
or hide answer.

If you miss your minimum payment or only pay part of it, the unpaid principal
portion of your Installment Plan payment is charged the annual interest rate for
regular purchases associated with your credit card. This starts from the first
day of the next statement period after your missed payment. Interest is added to
your account at the end of each statement period. We don't charge interest on
interest.

How do active CIBC Pace It Installment Plans affect my AutoPay settings? Select
to show or hide answer.

Installment Plans don't change your current AutoPay setup. Your monthly
Installment Plan payment is automatically included in your minimum payment and
amount due, as shown on your monthly credit card statements.


CHANGING, TRANSFERRING AND CANCELLING YOUR INSTALLMENT PLANS

Can I change my Installment Plan once I've set it up? Select to show or hide
answer.

No, you can't change an Installment Plan once you set it up, but you can cancel
it at any time.

How do I cancel an Installment Plan? Is there a cancellation fee? Select to show
or hide answer.

You can cancel an Installment Plan at any time without cancellation fees through
mobile and online banking. If you cancel an Installment Plan, the unpaid
installment balance goes back to the annual interest rate for purchases that
applies to your credit card. It'll be calculated as set out in your terms and
conditions. To view the complete terms and conditions of your Installment Plan,
visit Terms and conditions Skip to Terms and conditions.

You’ll continue to see your Installment Plan listed in online and mobile banking
for 6 months. You won’t see it under “Your Installment Summary” anymore starting
on your next monthly credit card statement.

If I cancel my Installment Plan, will I get a refund for the one time
Installment Fee? Select to show or hide answer.

If you cancel your Installment Plan in the same statement period that you set up
the installment, and you were charged an Installment Fee, we'll refund the
Installment Fee. If you cancel the Installment Plan after the first statement
period, the fee is non-refundable.

Why was my Installment Plan cancelled? Select to show or hide answer.

We can cancel Installment Plans automatically for several reasons:

 * You close your CIBC credit card account
 * Your account is no longer in good standing
 * You pay off your full Balance

What happens to my Installment Plan if I cancel my CIBC credit card? Select to
show or hide answer.

If you cancel your CIBC credit card with Installment Plans, you also cancel the
Installment Plans. The unpaid Installment Plan balance reverts back to the
annual interest rate of your cancelled credit card. You need to pay the full
credit card Balance in order to pay your Installment Plans in full.

Can I transfer my Installment Plans to my new card if I change my CIBC credit
card? Select to show or hide answer.

Yes, you can transfer Installment Plans to another eligible CIBC credit card.
Once the transfer is complete, your active Installment Plans will show up
in mobile and online banking and on your credit card statement.

You can transfer existing Installment Plans, but you won't be able to create new
ones on a CIBC Select Visa* Card.

What happens to my Installment Plan if I change my payment due date? Select to
show or hide answer.

This doesn't affect your Installment Plan. Your monthly Installment Plan payment
will be due on the new statement date. Your last monthly installment payment may
differ from your previous monthly Installment Plan payments.


INSTALLMENT PLANS AND CIBC PAYMENT PROTECTOR™ INSURANCE2

How will using CIBC Pace It affect my CIBC Payment Protector Insurance premiums?
Select to show or hide answer.

If your credit card is insured with CIBC Payment Protector Insurance for Credit
Cards, the premium will be calculated in the same way as before you set up your
Installment Plan. The premium will also be charged on an Installment Fee, if
applicable, since it's part of the Total Balance. 

How do Installment Plans affect my CIBC Payment Protector Insurance benefit
coverage? Select to show or hide answer.

Your Installment Plans don't impact your CIBC Payment Protector Insurance
coverage. But your disability and job loss insurance benefits may not cover your
entire minimum payment in certain situations, depending on the Installment Plan
you select. You're responsible for any amounts owing on your insured credit card
that aren't covered by this insurance.

If I have CIBC Payment Protector Insurance, do Installment Plans affect the
claims approval criteria or process? Select to show or hide answer.

No, approved claims are still based on the statement balance shown on your last
credit card statement prior to date of loss. This includes active Installment
Plan balances.

For more information, visit CIBC Payment Protector Insurance for Credit Cards.

popupresult
Questions?

Top credit card questions Opens a new window in your browser.


NEED TO TALK?

Get in touch. We're here to help

Meet with us Meet with us. Opens a new window in your browser.
Contact us Contact us. Opens a new window in your browser.
Call us Opens a new window.


Terms and conditions

termsandconditions

1 CIBC Pace It™ Installment Plans allow eligible cardholders to convert eligible
Card Transaction(s) to monthly installment payments (including interest) over a
fixed period of time. When you create an installment plan you will have the
ability to choose the payment term (in months) with a corresponding annual
interest rate. Once you accept the Installment Plan Terms and Conditions and the
installment plan is created, you can cancel it at any time but you cannot change
it. CIBC Pace It™ Installment Plans are only available: (a) on Accounts in good
standing; and (b) for certain eligible Account types and eligible Transactions. 


For more details, refer to the following documents:

 * CIBC Pace It Terms and Conditions (For Installment Plans requested after
   purchase) – requested on or after October 17, 2021
   (PDF, 125 KB) Opens in a new window.
 * CIBC Pace It Terms and Conditions (For Installment Plans requested after
   purchase) – requested before October 17, 2021
   (PDF, 155KB) Opens in a new window.

2 CIBC Payment Protector™ Insurance for Credit Cards is optional creditor’s
group insurance underwritten by Canadian Premier Life Insurance Company under a
group policy issued to CIBC as group policyholder.

®† Registered trademark of Price Costco International, Inc. used under license.

Mastercard is a registered trademark and the circles design is a trademark of
Mastercard International Incorporated.

Trademarks

Find a branch or ATM for a CIBC banking centre or ATM. Opens a new window in
your browser.

  Need to meet?

Meet with us Opens in a new window. Review or cancel a meeting

--------------------------------------------------------------------------------

Contact Us Opens a new window.
Special Offers
Mortgages and Other Rates
Apply Now

--------------------------------------------------------------------------------

Personal Banking
 * Bank Accounts
 * Credit Cards
 * Mortgages
 * Lending
 * Investments
 * Insurance
 * Ways to Bank
 * CIBC Smart Advice
 * Site Map

Business Banking

Commercial

About CIBC
 * Corporate Profile
 * Corporate Responsibility
 * Investor Relations
 * Media Centre
 * Careers

CIBC Websites
 * Imperial Service
 * Imperial Investor Service Opens in a new window.
 * Investor's Edge Opens in a new window.
 * Wood Gundy
 * Private Wealth
 * Capital Markets Opens in a new window.
 * CIBC Rewards Opens in a new window.
 * New to Canada
 * CIBC U.S Opens in a new window.

Feedback Opens in a dialog

Accessibility at CIBC
 * Text Size: + Decrease Text Size - Increase Text Size

--------------------------------------------------------------------------------

English Opens in a dialog.
 * CDIC Deposit Insurance Information
 * AdChoices
 * Privacy and Security
 * Legal

Canadian Imperial Bank of Commerce Website - Copyright © CIBC.

--------------------------------------------------------------------------------

Connect with us:

Facebook icon Twitter Icon Youtube icon C I B C Linked In
×
Select your country and language
Canada
 * English
 * Français

  United States
 * English United States English. Opens in a new window.



Please note: Multilanguage sites do not provide full access to all content on
CIBC.com. The full CIBC website is available in English and French.

 
 
×


Feedback