We now offer financing through Affirm, a simple and flexible payment solution that allows you to pay for your purchases over time. This payment option lets you enjoy your products right away while spreading your payments according to the plan presented at checkout.

How Affirm Works

Affirm (formerly PayBright) is a financing service provided by Affirm Canada Holdings Ltd. When you select this option at checkout, you can complete your purchase immediately and repay it through monthly or biweekly installments, depending on the offer available.

The annual percentage rate (APR) offered by Affirm ranges from 0% to 31.99%, depending on your credit profile and current promotions. Financing is subject to credit approval and provincial regulatory restrictions. Not all customers will qualify for a 0% APR offer.

Terms and Conditions

The available payment options depend on the amount of your purchase and may vary depending on the merchant and province. Specific terms and offers will be displayed at checkout.

A down payment (or a payment due today) may be required. Affirm accepts debit cards and pre-authorized debits (PADs) as payment methods. Some payment options may also allow credit card repayment, depending on your card issuer’s terms and conditions.

Please review your credit card’s general terms and conditions when using it to make payments through Affirm.

Example Payment Options

Here are a few examples to help illustrate how Affirm works:

  • A purchase of $800 could be financed through 12 monthly payments of $72.21 at a 15% APR;

  • Or through 4 interest-free payments of $200 every two weeks.

Financing offers may vary from time to time and can be changed or canceled without notice.

Eligibility and Verification

Financing through Affirm is subject to approval. The decision depends on your credit score and ability to repay. Affirm performs a quick and secure eligibility check that does not affect your credit score when verifying eligibility.

Additional Information

For any questions about your Affirm account, payments, or financing terms, please visit the official help center: https://helpcenter.affirm.ca