Split up the cost with Affirm
Make flexible payments at as low as 0% APR with Affirm
Just select Affirm 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.
Prequalify before you buy
Get your Affirm spending limit while youāre 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.
How do I use Affirm?
1. Select Affirm at checkout
Shop at your favourite stores that offer Affirm and select us as your payment option at checkout.
2. Get set up
Use your mobile phone number and email to set up your Affirm plan within 60 seconds. Subject to credit approval.
3. Enjoy your purchase!
Confirm your payment plan and then youāre done! Enjoy your purchase today and break up the cost.
Need help?
Frequently Asked Questions
Yes. Youāll need:
ā¢ 18 years of age (AB, MB, ON, PEI, QC, SK)/ 19 Years of age (BC, NB, NF, NT, NS, NU, YK)
ā¢ Canadian permanent resident or citizen
ā¢ A Canadian bank account or a Visa/Mastercard credit/debit card. Your debit card must have the Visa or Mastercard logo
ā¢ An SMS-capable Canadian phone number
ā¢ To meet the minimum cart size required to use Affirm as a payment option at checkout
Affirm payment plans are available for orders from $100 to $15,000.
For more information on late or NSF fees, please seeĀ this FAQ articleĀ on the Affirm help site.
Affirm will take convenient pre-authorized payments from either your Canadian bank account or your Visa/Mastercard debit/credit card.
If your basket is eligible for monthly payments with Affirm, the option will be presented at checkout. After confirming your phone number, youāll be sent a one-time SMS password to confirm your identity. Youāll then enter a few details for an instant decision. If youāre approved, you will set up your repayment method with Affirm and accept the terms of your payment plan.
To learn more about Affirm and credit checks, please readĀ this FAQ articleĀ on the Affirm help site.
Sure, at any time! There are no penalties or fees for early repayments. To pay off your current balance, please login to theĀ Affirm Customer PortalĀ with the phone number you used to sign up with.
Unfortunately, Affirm is not able to provide payment plans to every applicant. This could be due to the information on your credit file, or because Affirm was not able to verify your identity or your payment method.
To view your account information and track upcoming payments, please login to theĀ Affirm Customer PortalĀ using the phone number you used to sign up with. Having trouble? PleaseĀ get in touch with the Affirm team.
Purchases made using Affirm are subject to Cikada Canadaās standard return policy. Any returns will be processed by Cikada Canada, and your Affirm balance will be reduced, cancelled, or refunded accordingly. For information on returns, review Cikada Canadaās return policyĀ here.
No, you will not be charged. If youāve already made a payment to Affirm and are owed a refund this may take up to 5-10 business days to appear on your bank account or credit card statement. If you have any questions about the refund process, please reach out to the Affirm team throughĀ this contact form.
You can find themĀ here.
Please use an alternate payment method to complete your purchase.
For help with payment information, or if you havenāt received your Affirm email confirmation, pleaseĀ contact the Affirm teamĀ via their website.
Most authorizations are reversed within 24 hours, however this is ultimately up to your financial institution, and may take 5-10 business days to be reflected on your credit card statement.
For further information, please refer toĀ Affirmās FAQ page.
Cost of Credit Disclosure
Payment options through Affirm Canada Holdings Ltd. (āAffirmā). Your rate will be up to 0ā31.99% APR (where available and subject to provincial regulatory limitations). APR offered is based on creditworthiness and subject to an eligibility check. Not all customers will be eligible for 0% APR. Payment options depend on your purchase amount, may vary by merchant, and may not be available in all provinces/territories.
Payment option terms will be shown at checkout. A down payment (or a payment due today) may be required. Affirm accepts debit cards and PAD as forms of repayment. Select payment options may be eligible for repayment in the form of credit cards.
Please review the terms and conditions of your credit card when using it as a form of repayment. Sample payment options may be: a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. Financing offers may vary from time to time and may be amended or cancelled at any time.
SeeĀ https://helpcenter.affirm.caĀ for more information.