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.

  • No hidden fees—ever
  • What you see is what you pay
  • Set up easy, automatic payments

How to buy with Affirm

STEP 1

Fill your cart

Shop at many of your favourite stores and select Affirm at checkout. Then enter a few details for an instant decision. We do a soft credit check when you apply for any Affirm payment plan. This won’t impact your credit score. 

STEP 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). Please see table for more details.

STEP 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.

Use Affirm here—and there

Choose Affirm at checkout

It’s easy to pay over time. Just select Affirm at checkout when shopping at your favourite stores to see your payment options.

Shop online and in-store

Shop at thousands of stores you love—and thousands you haven’t discovered yet—online and in-store at participating retailers.

Download the app

Download the Affirm Canada app so you can manage and track all your purchases in one convenient place. 

Need more info?

Visit the Affirm Help Center
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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.