Buy now, pay later without the fees

Affirm is a smarter way to pay over time. Shop and pay at your own pace with no hidden fees, so you can get the things you love without breaking your budget..

Make flexible payments at as low as 0% APR with Affirm Pay on your terms with Affirm with as low as 0% APR

Or select Affirm at checkout.

Buying with Affirm is Simple.

1. Fill Your Cart.

When you’re done shopping, select Affirm at checkout, then enter a few details for an instant decision. Affirm will do a soft credit check when you apply, which won't impact your credit score.

2. Choose how to pay

Select your payment plan, then confirm your loan. We’ll never charge more than you see up front.

For example: Let’s say you make a purchase of $1,000. Choose to make 4 biweekly, interest-free payments of $250 or pay over 3 ($333/mo), 6 ($166/mo) or 12 ($83/mo) months from 0-32% APR (subject to provincial regulatory limitations).

3. Make your payments

Manage your payments in the Affirm app or online, and set up AutoPay so you don’t miss a payment. But if you do, you’ll never pay any fees.

Pay over time for the things you love

Pay in 4 or make monthly payments for bigger ticket items. Rates from 0-32% APR (subject to provincial regulatory limitations). See below for details.

  • No credit impact
    Checking your eligibility is quick and easy—and it won’t ding your credit.

  • Get set up in minutes
    Setting up Autopay is easy, so the only thing you’ll have to do is enjoy your purchase.

  • No hidden fees - ever
    That’s why over 1 million shoppers trust Affirm.

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 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 Crown & Press' standard return policy. Any returns will be processed by Crown & Press, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If Crown & Press 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 Crown & Press' return policy here.

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.

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 us a message here.

Disclosure
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 How It Works.