PAy Over Time With Affirm
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.
By selecting Affirm as a payment method at checkout, 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 choice at checkout. Simply enter a few details to get an instant decision. Then, complete your purchase.
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?
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.
NO FEES, NO SURPRISES
Choose how you pay with Affirm for as low as 0% APR. Spread the cost of a purchase into easy monthly payments. 0%-31.99% APR (where applicable and subject to provincial regulatory limitations). Subject to eligibility checkand approval. A down payment may be required. See actual terms at checkout.
*0% APR available to qualified customers. Other financing terms might be available.
Frequently Asked Questions
Yes. You’ll need:
- 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
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.
To learn more about Affirm and credit checks, please read this FAQ article on the Affirm help site
For more information on interest or fees, please read this FAQ article on the Affirm help site.
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.
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 does not charge any late or NSF fees. For more information on fees, please see this FAQ article on the Affirm help site.
Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be 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, or 4 interest-free payments of $200 every 2 weeks. For more information, please see https://www.affirm.com/en-ca/how-it-works.