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PAY OVER TIME WITH AFFIRM

Spread the cost of a purchase into easy monthly payments or 4 biweekly payments. Just select Affirm at checkout.

Choose how you pay with Affirm for as low as 0% APR. For example, a $1,200 purchase could be split into 12 monthly payments of $100 at 0% APR, or a $800 purchase could be split into 4 interest-free payments of $200 every 2 weeks.

What is Affirm?

Affirm 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.

Why use Affirm?

Prequalify before you buy

Get your Affirm spending limit while you’re still shopping. The amount you agree to pay up front will never go up.

Quick and convenient checkout

Place your order quickly and easily by choosing Affirm as your payment method at checkout. Enter a few details to get an instant decision and complete your purchase.

Easy payments

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

Complete your shopping and select Affirm 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.

How Pay in 4 Works

Purchase Amount	Bi-Weekly Payments	# of Payments	Total Repayment Amount	Credit Rate (APR)	Total Cost of Borrowing	Total Interest Charges
$200	$50	4	$200	0%	0%	$0

How Pay Monthly Works

Purchase Amount	Monthly Payments	# of Payments	Total Repayment Amount	Credit Rate (APR)	Total Cost of Borrowing	Total Interest Charges
$1000	$166.67	6	$1000	0%	$0	$0
$5000	$416.67	12	$5000	0%	$0	$0
$5000	$230.72	24	$5537.39	10%	$537.39	$537.39
$15,000	$484.01	36	$17,424.28	10%	$2,424.28	$2,424.28

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 bank account or Visa/Mastercard debit card (Your debit card must have the Visa or Mastercard logo). Available payment methods may vary depending on the payment plan selected.
An SMS-capable Canadian phone number and an email address
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 ’Pay in 4’ or 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.

How can I track my payments and access my Affirm account?

To view your account information and track upcoming payments, please login to the Affirm Customer Portal using the phone number you used to sign up with. Having trouble? Please get in touch with the Affirm team.

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.

How do returns work if I paid using Affirm?

Purchases made using Affirm are subject to EQ3’s standard return policy. Any returns will be processed by EQ3, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If EQ3 has provided a refund to you via a gift card, you must still continue repaying your installment plan in full. For information on returns, review EQ3’s return policy here.

I still have questions.

For further information, please refer to the Affirm help center or get in touch here.Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be up to 0%-31.99% APR (where available and subject to provincial regulatory limitations). APR offered is based on creditworthiness and subject to an eligibility check. Payment options depend on your purchase amount and may not be available in all provinces/territories. Payment option terms will be shown at checkout. A down payment (or a payment due today) may be required. The minimum purchase value of the cart (before taxes and fees) must be $50 for 4 biweekly or 6 monthly payments, $1,000 for 12 or 24 monthly payments or $10,000 for 36 monthly payments. Financing offers may vary from time to time and may be amended or cancelled at any time. See https://helpcenter.affirm.ca for more information.