What Is Affirm?

Affirm lets you enjoy your purchase now and pay over time. Choose Affirm at checkout, pick the monthly plan that works for you, and complete your order in seconds—no hidden fees, ever.

Equal Monthly Payments

  • Available on orders of $200+
  • As low as 0% APR (actual rate shown at checkout)
  • AutoPay so you never miss a payment

Who Can Apply?

Basic Requirements

  • Resident of Canada (excluding Quebec)
  • Age of majority in your province or territory
  • Valid Canadian bank account or Visa®/Mastercard® debit card
  • Canadian phone number that can receive SMS messages
  • Email address to receive statements

How It Works

3 Simple Steps

  1. Select Affirm at checkout.
  2. Get a decision: enter a few details to see your monthly plan.
  3. Confirm & pay—your order ships right away.

Frequently Asked Questions

Checking your purchasing power and accepting a monthly plan will not impact your credit score.

No—Affirm does not charge late fees or NSF fees.

Use pre-authorized debits from Canadian bank accounts or Visa/Mastercard debit cards.

Yes—there are no penalties or fees for early repayments.

Your Affirm balance is reduced, cancelled, or refunded once the return is processed.

Payment options through Affirm Canada Holdings Ltd. ("Affirm") are subject to an eligibility check and approval. Your rate will be up to 0–31.99% APR (where available and subject to provincial regulatory limitations). Not all customers will qualify for 0% APR. Payment options depend on your purchase amount and may not be available in all provinces/territories. A down payment may be required. See helpcenter.affirm.ca for details.