About Affirm

Why use Affirm monthly payment plan

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.

How it works

Affirm (formerly known as PayBright) is one of Canada’s leading installment payment
platforms, providing shoppers with buy now, pay later solutions at their favourite retailers, both in-store and online.

Select Affirm at checkout

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.

Questions regarding payment with affirm

Yes. You’ll need:

To be a Canadian permanent resident or citizen - 18 years of age (AB, MB, ON, PEI, QC, SK) / 19 years of age (BC, NB, NF, NT, NS, NU,YK)
A Canadian Visa, Mastercard, Amex, or Discover credit card, or a Visa or Mastercard
debit card (with the Visa/Mastercard logo), which can be used for online transactions
An SMS-capable Canadian phone number
To meet the minimum cart size required to use Affirm as a payment option at checkout

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

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

Purchases made using Affirm are subject to our boutique’s standard return policy. Any returns will be processed by us, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If we've
provided a refund to you via a gift card, you must still continue repaying your instalment plan in full. For information on returns, review our return policy here

Please use an alternate payment method to complete your purchase.

For further information, please refer to the Affirm help center.

Sure, at any time! There are no penalties or fees for early repayments. To pay off your current balance, please login to the Affirm Customer Portal with the phone number you used to sign up with.

If your order total changes for any reason, your payment plan will be adjusted accordingly.

Affirm monthly payments

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.

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.

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.

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.

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.

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

To qualify for financing, minimum purchase value of cart must be $100 before taxes and fees. Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be up to 0–31.99% 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. Actual 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 on payment options. 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. Financing offers may vary from time to time and may be amended or cancelled at any time. Seehttps://helpcenter.affirm.cafor more information.

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