About Affirm

Split up the cost with Affirm

With Affirm, split purchases into 4 interest-free payments every two weeks or longer-term monthly payments.

When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to split your purchase into 4 interest-free payments, or select a monthly installment plan over a time period that works best for you.

Prequalify NowOROr just select

at checkout

Choose 4 interest-free payments paid every two weeks or monthly installments.

For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR for a total repayment amount of $866.28 and total cost of credit of $66.28

Step 1

Fill your cart

Select Affirm at checkout, then enter a few pieces of info for a real-time decision.

Step 2

Choose how to pay

Pick the payment plan you like best. You’ll never pay more than you agree to up front.

Step 3

Pay over time

Enable auto-pay to for easy payments or make payments at affirm.ca. You'll also get reminders by text and email.

Buy with confidence

With Affirm, you always know exactly what you’ll owe and when you’ll be done paying.

Transparent

Affirm tells you the total amount you’ll pay up front. That number will never go up

Flexible

You choose the payment schedule that works best for you.

Fair

Affirm doesn’t charge late fees or hidden fees of any kind, ever.

To qualify for financing, minimum purchase value of cart must be $50 before taxes and fees. 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. 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. 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. 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. 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.

FAQs

Can I pay off my purchase early?

Yes! There’s no penalty for paying early

How do I make my payments?

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. Payments can also be made online at affirm.ca.

Can I return an item I bought with Affirm?

Yes—you can return an item you bought with Affirm by initiating the return process with the store.

Does checking my eligibility affect my credit score?

A soft credit check is performed when you create an account with Affirm. While it may appear on your credit report, a soft credit check doesn’t impact your credit score.

Do I need a mobile number to use Affirm?

Yes, you will need an SMS-capable Canadian phone number and an email address.

Where can I learn more about Affirm?

You can visit their website at helpcenter.affirm.ca.