Shop today and pay on your terms with Affirm.

We have partnered with Affirm to offer flexible payments on your terms. This means you'll be able to split up the cost of purchases greater than $1000.

What is Affirm?

Affirm is one of Canada’s leading installment payment platforms, providing shoppers with payment 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 splitting up the cost over time.

Why use Affirm?

• Prequalify before you buy
  • Get your Affirm purchasing power before—or while—you’re out shopping. Applying will not impact your credit score.
• 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 a quick decision and complete your purchase.
• Enable AutoPay for easy payments
  • Affirm will automatically debit/charge monthly payments using your preferred payment method.
  • Available payment methods may vary depending on the payment plan.

How do I use Affirm?

1. Select Affirm at checkout
   Shop at your favourite stores that offer Affirm and select Affirm as your payment option at checkout.
2. Get set up
   Use your mobile phone number and email to set up your Affirm plan within 60 seconds. Subject to eligibility check and approval.
3. Enjoy your purchase
   Confirm your payment plan and you’re done! Enjoy your purchase today while making flexible payments over time.

FAQs

How does Affirm work?

Affirm (formerly known as PayBright) is one of Canada’s leading installment payment providers. When you use Affirm to pay at [MERCHANT]’s checkout, you can split your purchase into easy, automatic monthly payments. To use Affirm as your preferred payment choice at checkout:

1. Add items to your shopping cart as usual, and select Affirm as your payment method at checkout for orders between $XX and $XX (including taxes and shipping)
2. Get set up: Use your mobile phone number and email to set up your Affirm plan within 60 seconds (subject to eligibility check and approval)
3. Confirm your payment plan with Affirm—[MERCHANT] will process and ship your order as usual
4. Make [CUSTOMIZE PAYMENT FREQUENCY, i.e. “12 or 24 monthly payments”] to Affirm while you enjoy your purchase

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 much can I spend with Affirm?

Affirm payment plans are available for orders from $1000 to $15 000.

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 a quick 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 our standard return policy. Any returns will be processed by Urbane Cyclist, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If we provide a refund to you via a gift card, you must still continue repaying your installment plan in full. For information on returns, review our return policy.

What if the order is canceled? Will I still be charged?

No, you won’t be charged. If you’ve already made a payment to Affirm and are owed a refund this may take up to 5–10 business days to appear on your bank account or credit card statement. If you have any questions about the refund process, please reach out to the Affirm team through this contact form.

How do I make my payments?

Affirm will help you set up convenient, pre-authorized payments via your Canadian bank account, or a Visa/Mastercard debit card. Available payment methods may vary depending on the payment plan selected.

When will my payments begin? And what if I have pre-order products?

Please refer to the payment plan agreement for all of your payment schedule information.

Where can I find Affirm’s terms and conditions?

You can find the terms and conditions here.

What if I get declined from using Affirm?

Please use an alternate payment method to complete your purchase.

Why don’t I see Affirm as a payment option at checkout?

If you would like to use Affirm, but you don’t see it as a payment option, please see this helpful FAQ article on the Affirm help site.

Is there an annual fee?

Affirm does not charge annual fees. For more information on related fees, please see this helpful FAQ article on the Affirm help site.

What if I haven’t received an email regarding my payment plan, or if I need additional help with my payment plan?

For help with payment information, or if you haven’t received your Affirm email confirmation, please contact the Affirm team via their website.

How long does it take to reverse a pending Affirm authorization on my credit card?

Most authorizations are reversed within 24 hours, however this is ultimately up to your financial institution, and may take 5–10 business days to be reflected on your credit card statement.

Can I prepay my outstanding Affirm balance?

Sure, at any time! There are no penalties or fees for early repayments. To pay off your current balance, please login to the Affirm customer portal with the phone number you used to sign up with. If you have any additional questions about your account or payment schedule, send Affirm a message here.

I still have questions.

For further information, please refer to the Affirm help center or get in touch here.

[To qualify for financing, minimum purchase value of cart must be $1000 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.