Buy now, pay monthly with Affirm

Spread the cost of a purchase over $50 into easy monthly payments. Just select Affirm at checkout. 0-30% APR (where applicable and subject to provincial regulatory limitations). Subject to eligibility check and approval. A down payment may be required. See actual terms at checkout.

What is Affirm?

Affirm (formerly known as PayBright) is one of Canada’s leading installment payment platform, providing shoppers with buy now, pay later solutions at their favourite retailers, both in-store and online. By selecting Affirm as a payment method at check-out, customers can enjoy their purchase immediately, while spreading their payments over time

Why Use Affirm?

  • Prequalify before you buy

    Get your Affirm spending limit while you’re still shopping

  • Quick and convenient checkout

    Place your order quickly and easily by choosing Affirm as your payment method at checkout. Enter a few details to get an instant decision and complete your purchase.

  • Easy payments

    Affirm will automatically debit/charge monthly payments using your preferred payment method. Available payment methods may vary depending on the payment plan selected.

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How do I use Affirm?

  • Select Affirm at checkout

    Shop at your favourite stores that offer Affirm and select us as your payment option at checkout.

  • Get set up

    Use your mobile phone number and email to set up your Affirm plan within 60 seconds.
    Subject to credit approval.

  • Enjoy your purchase!

    Confirm your payment plan and then you’re done! Enjoy your purchase today and break up the cost.

Frequently Asked Questions

Are there requirements to use Affirm?

Yes. You’ll need:
● To be the legal age of majority in the province or territory in which you reside
● To be a resident of Canada
● A Canadian bank account or Visa/Mastercard debit card (Your debit card must have the Visa or Mastercard logo). Available payment methods may vary depending on the payment plan selected.
● An SMS-capable Canadian phone number and an email address
● To meet the minimum cart size required to use Affirm as a payment option at checkout

How do I sign up?

If your basket is eligible for monthly payments with Affirm, the option will be presented at checkout. After confirming your phone number, you’ll be sent a one-time SMS password to confirm your identity. You’ll then enter a few details for an instant decision. If you’re approved, you will have the option to set up your repayment method with Affirm and accept the terms of your payment plan.

How do I make my payments?

Affirm will help you set up convenient, pre-authorized payments via your Canadian bank account, or a Visa/Mastercard credit/debit card. Available payment methods may vary depending on the payment plan selected.

Does Affirm do a credit check?

To learn more about Affirm and credit checks, please read this FAQ article on the Affirm help site

What is Affirm’s interest rate?

For more information on interest or fees, please read this FAQ article on the Affirm help site.

Which payment methods are accepted?

Affirm currently accepts pre -authorized debits from your Canadian bank account or a debit card. Available payment methods may vary depending on the payment plan selected. Please note that prepaid cards are not accepted.

How can I track my payments and access my Affirm account?

To view your account information and track upcoming payments, please login to the Affirm Customer Portal using the phone number you used to sign up with. Having trouble? Please get in touch with the Affirm team.

What if I can’t make a payment?

Please reach out to the Affirm team and they will be happy to look into the options available. You can contact them using this contact form.

Are there late or NSF fees?

Affirm does not charge any late or NSF fees. For more information on fees, please see this FAQ article on the Affirm help site.

How do returns work if I paid using Affirm?

Purchases made using Affirm are subject to [MERCHANT]’s standard return policy. Any returns will be processed by [MERCHANT], and your Affirm balance will be reduced, cancelled, or refunded accordingly. If the [MERCHANT] has provided a refund to you via a gift card, you must still continue repaying your installment plan in full. For information on returns, review [MERCHANT]’s return policy here [LINK TO MERCHANT RETURN POLICY].

When will my payments begin? And what if I have pre-order products?

Please refer to the payment plan agreement for all of your payment schedule information.

How much can I spend with Affirm?

Affirm payment plans are available for orders from $50 to $15,000.

What if I get declined from using Affirm?

Please use an alternate payment method to complete your purchase.

I still have questions.

For further information, please refer to the Affirm help center or get in touch here.

Example of a $1200 purchase at 5% intrest over 12 months with Affirm