Learn More About Affirm

What is affirm?

Affirm (formerly known as PayBright) is one of Canada’s leading installment payment platforms, providing you with a buy now, pay later solution. By selecting Affirm as a payment method at checkout, you can enjoy your purchase immediately, while spreading their payments over time.

Why Use Affirm?

• Transparent Pricing: Affirm offers easy, transparent payment installments with no hidden fees.
• Simple Checkout: Checkout is simple at any store that accepts Affirm. Just enter a few pieces of information for a real-time decision.
• Safe & Secure: Affirm connects directly to online stores. There’s no card number to steal, so your account stays secure.
• Flexible Payment Option: It’s a great option if you need to make a purchase but prefer not to pay the entire amount upfront.

How do I use Affirm?

Here are the steps to use Affirm as your preferred payment choice:

1. Go to your desired item, choose each of your drop-down menu options and then select "ADD TO CART"

2.  In the shopping cart, select the "I agree with the terms and conditions" and then hit the "CHECKOUT" box

3. If you see the ShopPay info, then below it, select "check out as a guest"

4. In the Express Checkout page, fill out all the billing/shipping info and select "Affirm Pay Over Time" in the Payment section

5. When all the information has been added, select "Pay now" when complete. You will now begin the Affirm processing and complete the order.

Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be 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. Actual 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 on payment options. 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. For more information, please see https://www.affirm.com/en-ca/how-it-works