- Getting Started
1. Fill your cart - When you’re done shopping, select Affirm at checkout.
2. Complete your purchase - Enter a few pieces of info for a real-time decision.
3. Pay over time – Make equal payments over a 3, 6 or 12 month term with rates as low as 0%.
When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase.
Prequalifying takes a minute and won't affect your credit score.
PayBright payment plans are available to Canadian residents above the age of majority, which is 18 or 19, depending on your province.
Unfortunately, PayBright is not able to provide payment plans to every applicant. This could be due to the information on your credit file, or PayBright could not verify your identity or payment method. For further information, please get in touch with PayBright.
Depending on the customer's credit score, payment plans range between 0% and 21.95% APR.
Fees - Paybright does not charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.
Interest - Depending on the size of your purchase and where you're shopping, your payment plan may include interest. You'll never owe more interest than you agree to on day one—so you always know exactly what you're getting into.
You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.
Yes! There’s no penalty for paying early.
Yes—You can return an item you bought with Affirm by initiating the return process with the store.
If you’re going to be late on a payment, please sign in to your Affirm account today and schedule a payment as soon as possible.
Paybright does not charge late fees. Even so, partial or late payments may hurt your credit score or chances of getting another loan with us.
After you schedule a payment, we’ll continue sending reminders by email and text message until any remaining balance is settled, but you won’t receive calls about your loan.
When you’re approved for a loan in our app or on affirm.com, you can have the loan amount loaded onto a virtual Visa card. It's meant to be used one-time only, at a merchant of your choice, either online or in-store (most merchants who accept Visa cards will accept an Affirm Visa virtual card as a form of payment).