Break up the cost with Affirm

Prequalify Today

Choose Affirm at checkout to pay over time

Choose how you pay with Affirm for as low as 0%-31.99% APR. Spread the cost of a purchase over $1,000 into 18 easy monthly payments. 0%-31.99% 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.

  • quick and easy

    Select Affirm at checkout and fill out the simple application to get started.

  • flexible payment plans

    Choose the payment plan that works for you. Pay over 3, 6, 12, 18 or 24 months

  • Pay Your Way

    Pay your bill with a debit card, check or bank transfer.

  • Automatic Payments

    The first payment happens after 30 days and you will receive an email or text to remind you before your next one is due.

Prequalify Today

FAQ

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 check-out, customers can enjoy their purchase immediately, while spreading their payments over time.

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.

I was not able to complete a Affirm transaction. What happened? 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 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.

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

Rates between 10-30% APR with a promotional rate of 0% APR for qualified customers. Subject to credit check and approval. Down payment may be required. Payment amount depends on your purchase amount. Estimated payment amount excludes taxes and shipping fees. Previous purchases are not eligible for offer. Affirm loans made by Cross River Bank, Member FDIC.

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.”

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