Pay over time with Affirm

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Real time decision

Applying for an Affirm payment plan is quick and easy—simply provide a few details about yourself and get a real-time decision so you can purchase what you love now and pay over time.

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Easy monthly payments

Enjoy the convenience of automatic monthly payments with no hidden costs and no surprises. You'll see your monthly payment amount before you confirm your payment plan, so you'll know exactly what you owe upfront.

How Does it Work?

Financing your order with Affirm is easy and only takes a few minutes.

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Select Affirm at Checkout

Add your item to your cart as usual, and select Affirm as your payment method. You will then be redirected to Affirm to view payment plan details.

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Apply Online

Apply with Affirm's easy online application in under a minute and get an instant decision.

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Enjoy Your Purchase

Once you complete your checkout with Affirm, we'll process and ship your order right away—no waiting is necessary.

Have questions?

Call Us Toll Free on 1-800-425-5405 or email

How do I use Affirm?

- Add items to your cart as usual, and select Affirm as your payment method in Checkout. - Complete their easy online application and get an instant decision. - Confirm your payment plan with Affirm and return to to complete your order. We'll process and ship your order as usual. - Make 12 monthly payments to Affirm while you enjoy your new item!

For Example:

An $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR

How do I make my monthly payments?

Affirm will help you set up convenient, pre-authorized payments via your bank account or your Visa or Mastercard credit / debit card.

Who is eligible for a Affirm Payment Plan?

Affirm payment plans are available to Canadian permanent residents or citizens - 18 years of age (AB, MB, ON, PEI, QC, SK)/ 19 Years of age (BC, NB, NF, NT, NS, NU, YK).

Can I use Affirm for only a part of my order?

Affirm payment plans are applied to your entire order. To use Affirm for only part of your purchase, please complete two separate transactions with different payment methods.

Can I pre-pay my outstanding Affirm balance?

Yes, all Affirm payment plans can be prepaid at any time without penalty.

My Affirm transaction didn't complete. 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. For further information, please contact Affirm.

How do I access my Affirm account?

After you have completed a transaction with Affirm, you can access your account here. If you have any questions or trouble logging in, please contact Affirm.

How do returns work when I pay using Affirm?

Purchases made using Affirm are subject to our standard return policy. Any returns will be processed by, and your Affirm loan balance will be reduced or cancelled accordingly. If you have already made monthly payments, those will be refunded to you by Affirm.

Some conditions apply, and all transactions are subject to approval by Affirm. The estimated monthly payment amount excludes taxes, shipping, and other fees. Your monthly payment amount, the APR you will pay, and the loan terms available may vary depending on your personal credit profile. - 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