The choice is yours
Affirm Pay in 4
Make 4 interest-free payments every 2 weeks. Great for everyday purchases.
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No interest or fees
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No impact on your credit score
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Set up easy, automatic payments
Monthly Payments
- No hidden fees—ever
- What you see is what you pay
- Set up easy, automatic payments
Pay over time for the things you love
Pay in 4 or make monthly payments for bigger ticket items. Rates from 0-30% 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.
How to buy with Affirm
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.
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.
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.
Why you’ll love Affirm
With Affirm, you’ll never owe more than you agree to up front. Instead, you’ll always get a flexible, transparent, and convenient way to pay over time.
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.
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 https://www.affirm.com/en-ca/how-it-works."
