PurposeAlthough well documented for physical stores, consumer motives for buying apparel online have been poorly investigated. Drawing on the social exchange theory (SET), the authors tested a framework that relates time savings, effort savings and money savings to satisfaction, e-loyalty and e-word-of-mouth (e-WOM).Design/methodology/approachA cross-sectional, web-based survey was conducted in Canada during the coronavirus (COVID-19) pandemic. Data were collected from 247 participants who made online clothing purchases and analysed using partial least-squares structural equation modelling. The reliability and validity of the measurement model were assessed, and the path coefficients of the structural model were estimated.FindingsMoney savings have a strong effect on e-satisfaction, which in turn determines e-loyalty and e-WOM. Time savings have also been found to influence e-satisfaction, whereas effort savings have no influence. Finally, the results indicate that e-satisfaction competitively mediates the relationship between money savings and both e-loyalty and e-WOM.Originality/valueUtilising the SET, this study contributes to deepening the knowledge of online clothing purchase in the context of the COVID-19 pandemic. The authors provide a comprehensive view of the mechanisms through which time savings and money savings are the strongest drivers of customer satisfaction, which in turn influence customer loyalty and e-WOM when buying clothes online.