Northern Stay Financing & Payment Options

Q: Does financing cost more overall?

Financing may include interest depending on the APR and term you select. Northern Stay works with you to build a financing offer based on your credit profile, preferred term length, and down payment. The exact total cost of financing — including any interest — is shown in your personalized payment summary before you commit. If you want to avoid financing charges entirely, the Getaway Pass at $999 is a flat, no-financing-required entry point, or you can pay the Lifestyle Membership $4,999 upfront in a single payment.

Q: Is the $79/month maintenance fee included in the financing?

No. The $79/month maintenance fee is a separate ongoing Northern Stay charge and is not part of any financing arrangement. Financing covers only the $4,999 upfront membership cost. The $79/month is billed directly by Northern Stay, year-round (12 months per year), regardless of whether you are actively camping or have an active financing plan.

Two ways in

Getaway Pass vs Lifestyle Membership

Accessible Entry

Getaway Pass

$999

one-time, per season · no nightly fees

30 nights per season
No nightly fees at checkout
No auto-renew — you choose each season
Non-transferable
Season: May 1 – Oct 31

No financing needed — $999 flat

Financing Available

Lifestyle Membership

$4,999 + $79/mo

upfront + $79/month ongoing (12 months/yr)

Up to 180 days/season access
Every future season — no annual renewal
Rolling 28-day window (21 nights per 28 days)
Park Hopper upgrade available ($149/mo in-season)
Transferable once via NS marketplace ($99 fee)
14-day refund window (conditions apply)

Financing available — contact our team

Not sure which fits your camping style? Use the cost calculator to run your own numbers.

Break it down

What financing the Lifestyle Membership looks like monthly

Illustrative examples only — not a financing quote

Financing term	Principal ÷ months (est.)	$79/mo maintenance	Approx. combined (est.)
12 months Popular	~$417/mo	$79/mo	~$496/mo
24 months	~$208/mo	$79/mo	~$287/mo
36 months	~$139/mo	$79/mo	~$218/mo
48 months	~$104/mo	$79/mo	~$183/mo
60 months	~$83/mo	$79/mo	~$162/mo

Important — examples only, not a financing offer. The monthly figures in this table are illustrative estimates calculated by dividing the $4,999 principal by the number of months. They do not reflect actual financing quotes and do not include interest, applicable fees, service charges, down payment adjustments, or any other costs that may apply. Your actual monthly payment will depend on your individual credit profile, selected term, down payment amount, applicable APR, and any fees associated with your financing agreement. Financing is subject to credit approval. The $79/month Northern Stay maintenance fee is a separate charge billed directly by Northern Stay year-round (12 months per year) and is not part of any financing arrangement. Northern Stay Inc. is not a lender. All financing terms are determined by Northern Stay on an individual basis and are subject to the terms of your financing agreement.

Does the math work?

Cost-per-night: membership vs public rates

~$17

per night
Lifestyle Membership
est. financed over 12 months
(~$496/mo total ÷ 30 nights/season)

vs

~$64

per night
Typical private campground
public nightly rate
($1,920 for 30 nights)

Lifestyle Membership — principal (est. 12 months, principal only) ~$417/mo

Northern Stay maintenance fee (year-round, separate charge) $79/mo

Estimated combined monthly (during financing, before interest) ~$496/mo

If you camp 30 nights in a season (roughly what the Getaway Pass covers)

Effective est. cost per night via NS (12-month term, principal only) ~$17/night

30 nights at the $64/night average private campground $1,920/season

The ~$17/night figure is an illustrative estimate only. It spreads one year of payments (principal + maintenance, before interest) across 30 camping nights. Actual financing costs — including interest and any applicable fees — will affect the real per-night figure. Camp more nights and the effective per-night cost decreases. Public nightly rate of ~$64/night is a general 2025 Canadian private campground reference; rates vary by region, park type, and season.

The honest case

Why financing can make sense

You're already paying to camp

If you're booking 20–30+ nights at campgrounds anyway, you're spending $1,600–$2,400 or more per season at public rates. Financing the membership spreads a cost you'd largely pay regardless — just in smaller, plannable instalments.

Every future season included

The Lifestyle Membership carries forward season after season — no annual renewal fee. Once the $4,999 is paid off, your ongoing cost drops to the $79/month maintenance fee year-round. The longer you're a member, the better the math gets.

Predictable budgeting beats surprise nightly bills

Financing turns a single large outlay into a fixed monthly number you can plan around. No watching nightly rates spike on long weekends or scrambling for availability. Your access is set — budget for it like a utility.

The $4,999 is a membership, not a booking

Think of it as pre-paying for camping you were going to do anyway. If you'd spend $80/night publicly, 63 nights at Northern Stay covers the full $4,999 upfront cost before the $79/month even enters the picture.

14-day refund if it's not right

Northern Stay includes a 14-day refund window (conditions apply) from the date of purchase. If you finance the membership and decide within that window it's not for you, Northern Stay processes the membership refund on their end. Review your financing agreement for how that affects your outstanding balance.

Up to 180 days — room to camp more

The Lifestyle Membership allows up to 180 days per season (May 1 – Oct 31). The more you camp, the lower your effective per-night cost becomes. A family doing 60 nights brings their per-night cost well below $10 on most financing terms.

Important: what financing covers — and what it doesn't.
Northern Stay financing applies to the $4,999 upfront membership cost only. The $79/month maintenance fee is a separate, ongoing Northern Stay charge billed year-round (12 months per year) and is not included in any financing arrangement. During your financing period, expect two separate monthly charges: your financing instalment and the Northern Stay maintenance fee. After your financing is paid off, only the $79/month continues.

Getting started

How to access financing

1

Choose the Lifestyle Membership

Confirm the Lifestyle Membership is right for you — 180 days/season access, every future season included, rolling 28-day window, and a $79/month ongoing maintenance fee billed separately year-round.

2

Contact our team to set up financing

Reach out to the Northern Stay team by email or phone. Your account manager will work with you to build a personalized financing offer based on your preferred term length, down payment, and credit profile. Financing is subject to approval.

3

Review your personalized terms

You'll receive a payment summary with your specific financing details — monthly instalment, term length, applicable APR, total financed amount, and any fees due today. Review everything before committing.

4

Complete checkout and get access

Once you confirm your financing terms, complete checkout through your personalized payment link. Your membership activates immediately. The $79/month maintenance fee begins as a separate Northern Stay charge. Questions? Reach us at admin@northernstay.com or 1-226-667-8437.

Common questions

Financing FAQ

Does financing cost more overall? ▾

Yes — financing typically includes interest and fees, which increase the total amount you pay compared to paying in full upfront. The exact cost depends on your APR, selected term, and any applicable fees, which are presented in your personalized financing summary before you commit. If you want to avoid financing charges entirely, the Getaway Pass at $999 is a flat, no-financing-required entry point, or you can pay the Lifestyle Membership $4,999 upfront.

Can I finance the Getaway Pass? ▾

Financing is primarily available for the Lifestyle Membership ($4,999 upfront). The Getaway Pass is $999 for the season with no nightly fees — many members find it straightforward to pay in full. Contact the team at admin@northernstay.com if you have questions about payment options.

What is the total monthly cost if I finance the Lifestyle Membership? ▾

During your financing period, you will have two separate monthly charges: your financing instalment and the Northern Stay maintenance fee of $79/month. The instalment amount depends on your term length, APR, down payment, and any applicable fees. The figures in the table above are illustrative estimates of the principal only — they do not reflect actual financing quotes and do not include interest or fees. Your actual monthly payment is confirmed in your personalized financing summary before checkout.

Is the $79/month included in the financing? ▾

No. The $79/month maintenance fee is a separate Northern Stay charge and is not part of any financing arrangement. Financing covers only the $4,999 upfront membership cost. The $79/month is billed directly by Northern Stay, year-round (12 months per year), regardless of whether you are actively camping or have an active financing plan.

What if I want to cancel while I'm still being financed? ▾

Northern Stay's 14-day refund window (conditions apply) begins from the date of purchase. If you cancel within that window, Northern Stay will process the membership refund on their end — how that refund interacts with your outstanding financing balance is governed by your financing agreement. After the 14-day window closes, Northern Stay memberships are non-refundable. The Lifestyle Membership can be transferred once through the NS marketplace ($99 admin fee, NS approval required). Any outstanding financing balance is your responsibility regardless of membership status. Email admin@northernstay.com if you have questions about the membership side.

Camp all season. Pay your way.