- All
- Affirm
- Getting Started
- Payments
- Cost of Credit Disclosure
Affirm
For further information please visit this website (click here)
Must be a Canadian permanent resident or citizen. 18 years of age (AB, MB, ON, PEI, QC, SK) and 19 Years of age (BC, NB, NF, NT, NS, NU, YK).
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.
Affirm payment plans are available to Canadian residents above the age of majority, which is 18 or 19, depending on your province.
Unfortunately, Affirm is not able to provide payment plans to every applicant. This could be due to the information on your credit file, or Affirm could not verify your identity or payment method. For further information, please get in touch with Affirm.
Payments
Depending on the customer's credit score, payment plans range between 0% and 21.95% APR.
Fees - Affirm 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.
Affirm 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.
After you have completed a transaction with Affirm, you can access your account here. If you have any questions or trouble logging in, please get in touch with PayBright.
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).
You can visit their website at affirm.com.
Cost of Credit Disclosure
"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."