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What is 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.
Frequently Asked Questions
Are there requirements to use Affirm?
Yes. You’ll need:
- To be the legal age of majority in the province or territory in which you reside
- To be a resident of Canada
- 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
How do I sign up?
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.
Does Affirm do a credit check?
To learn more about Affirm and credit checks, please read this FAQ article on the Affirm help site
What is Affirm’s interest rate?
For more information on interest or fees, 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.
Which payment methods are accepted?
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.
What if I can’t make a payment?
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.
Are there late or NSF fees?
Affirm does not charge any late or NSF fees. For more information on fees, please see this FAQ article on the Affirm help site.