How to use Affirm

Why choose Affirm?

Pay for all the items you need by spreading your purchase total over bi-weekly or monthly payments.

How it works?

1

Make an online purchase for an amount
admissible as described below (before
taxes and shipping charges) and
proceed to checkout as usual.

2

Select Affirm as mode
payment and enter a few
information to obtain a decision
instantaneous. On approved credit.

3

Confirm your payment method and
It's over! Enjoy your purchase
now and split the costs.

What are the eligibility requirements?

Be a resident of Canada and have
reaches the age of majority set by his
province or territory of residence.

Have a credit or debit card
Visa or Mastercard issued in Canada,
or a Canadian bank account.

(your debit card must display the logo
of Visa or Mastercard).

Have a phone associated with a
number in Canada and can
receive SMS messages (text messages)
as well as an email address.

NOTE: AT THIS TIME THE PAYMENT OPTION WITH AFFIRM IS NOT AVAILABLE IN-STORE, IN THE HUDSON’S BAY APP OR WHEN ORDERING TELEPHONE.

Amount
of the purchase

Options
payment

Number of
payments

Total amount
payments

Credit rate
(APR)

Total fees
financing

Total fees
of interests

$1200

$102.73 per month

$1232.73

$32.73

$200

$50 every 2 weeks

$200

Frequently Asked Questions.

How do I return merchandise paid for with Affirm?

Purchases made with Affirm are subject to Hudson's Bay and Zellers' standard return policy, which can be viewed HERE .

Return by post:

Once your return has been received and processed by Hudson's Bay and Zellers, your Affirm balance will be reduced or canceled, as applicable. If you have already made one or more payments, the amount already paid will be refunded to you by Affirm according to the payment method you used. If you choose to return your purchase by mail, a $12 shipping fee will apply. CLICK HERE to initiate a return.

At the store :

When you return your purchase under our standard return policy, the purchase amount will be refunded to a Hudson's Bay gift card. You will then need to continue making your Affirm payments until the amount due is paid. If you wish to pay the full amount immediately, please contact AFFIRM .

To return an item purchased through a trusted The Bay brand partner:

Sign into your account
Hudson Bay or click
“Check order status”.

(if you placed your order as
as a guest, you will need the number of
your order and your postal code)

Go to “History of
orders” and select the
order containing the product
that you wish to return.

Select “Prepare a
return” next to the product and
complete the return form.
Once the form is submitted, the
seller will contact you.

Did you place your order as a guest?

Have your phone number
order and your code
postal at your fingertips.

Select “Check Status
of the order ".

Select “Prepare a return”
next to the product and fill in the
return form. Once the formula
submitted, the seller will contact you.

Consult the Market's Frequently Asked Questions to find out more.

Details →

What should I do if I can't pay for my purchase with Affirm?

Please review Affirm's FREQUENTLY ASKED QUESTIONS or contact us HERE .

Does Affirm do a credit check on me?

Please see Affirm's FREQUENTLY ASKED QUESTIONS to learn more about credit checking.

Can I use or purchase a gift card when I pay for a purchase with Affirm?

Currently, it is not possible to choose Affirm as your payment method when there is a gift card in your cart or at checkout.

What payment methods does Affirm accept?

Affirm accepts pre-authorized debits from a Canadian bank account or a debit card issued in Canada. Accepted payment methods may vary depending on the payment methods selected. Prepaid cards are not accepted.

Is there a minimum or maximum amount for purchases made with Affirm?

You can split your payment into 4 bi-weekly, interest-free installments for purchases between $50 and $499, or pay in monthly installments with an Annual Percentage Rate (APR) starting at 0% for purchases between $500 and $15,000. The rate will be 0-30% APR (where available and subject to provincial regulatory limits). Subject to eligibility and approval conditions. A deposit may be required. Check actual conditions at checkout.

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