Buy now, pay later with Affirm!
Spread the cost of a purchase over $300 into 3, 6 or 12 easy monthly payments*. Just select Affirm at checkout.
*Subject to credit approval.
What is Affirm?
Affirm is Canada’s leading installment payment platform, providing consumers with instant financing solutions from their favourite retailers, in-store and online. By selecting Affirm as their payment method at checkout, customers can enjoy their purchase immediately by paying over time.
Why use Affirm?
Prequalification before purchase
Get your Affirm spending limit while you shop.
Fast and convenient transaction
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.
Simple payments
Affirm automatically collects your monthly payments from the payment method you choose: bank account or Visa or Mastercard debit or credit card
How do I use Affirm?
1. Select Affirm at checkout
Shop at your favorite merchants that offer Affirm and select it at checkout.
2. Configure your options
Use your mobile phone number to set up your Affirm account in less than a minute.
3. Enjoy your purchase!
Confirm your financing plan, and that's it! Enjoy your purchase now and pay later
Are there any requirements to use Affirm?
Yes. The requirements are: Be 18 years old (AB, MB, ON, PEI, QC, SK)/19 years old (BC, NB, NF, NT, NS, NU, Yukon) Permanent resident or Canadian citizen Have a Canadian bank account or a Canadian Visa or Mastercard credit or debit card Your debit card must have the Visa or Mastercard logo Have a Canadian phone number that can receive SMS messages Meet the minimum amount required to use Affirm as a payment option at checkout.
How to submit a request?
If your cart qualifies, you’ll be able to opt in to Affirm’s monthly payments at checkout. After confirming your phone number, you’ll receive a one-time password via text message to verify your identity. Then enter a few details to get an instant decision. If you’re approved, you’ll need to set up your repayment method with Affirm and accept the terms of your financing plan.
Does Affirm do a credit check?
To learn more about Affirm and credit checks, please check out this helpful FAQ article on the Affirm Help page.
I was unable to complete an Affirm transaction. What happened?
Unfortunately, Affirm is unable to provide financing plans to every applicant. This may be due to the information in your credit report, or because Affirm was unable to verify your identity or payment method.
What payment methods are accepted?
Affirm currently accepts direct debits from a Canadian bank account or a Visa or Mastercard credit or debit card. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.
How do I track my payments and access my Affirm account?
Your login information to access your Affirm account is in the confirmation email you received after completing the transaction. Can't find the details? Please contact the Affirm team.
* Monthly payment amounts, interest and loan terms may depend on your personal credit history. Certain conditions apply. All transactions are subject to Affirm approval. Loan offers may vary for Quebec customers.
*Certain conditions apply and all transactions are subject to Affirm approval. Your monthly payment amount and the interest you pay depend on your credit report. Please see terms and conditions for complete details.
*Your monthly payment amount, the interest you pay, and the terms of the loan offered depend on your personal credit history. Conditions apply and all transactions are subject to approval by Affirm.
*Please note that Affirm is an independent payment processor and SecondCell has no impact on your payment approval with Affirm. If you have any issues with your order, please contact Affirm customer service.
*Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be 0-31.99% APR (if available and subject to provincial regulatory limitations). The APR offered is based on creditworthiness and subject to an eligibility check. Not all customers will qualify for the 0% APR. Payment options depend on the amount of your purchase, may vary by merchant, and may not be available in all provinces/territories. Actual terms of payment options will be shown at checkout. A down payment (or payment due today) may be required. Affirm accepts debit cards and PADs as forms of reimbursement on payment options. Some payment options may be eligible for reimbursement in the form of a credit card. Please review the terms and conditions of your credit card when using it as a form of reimbursement. Examples of payment options could be: an $800 purchase could be split into 12 monthly payments of $72.21 at an annual rate of 15%, or 4 interest-free payments of $200 every 2 weeks. For more information, please visit https://www.affirm.com/en-ca/how-it-works .
