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Why Affirm?

Pay over time for the things you love

Make monthly payments over 3 to 36 months for bigger ticket items. Rates from 0-30% APR (subject to provincial regulatory limitations). See below for details.

Step 1

Fill your cart

Fill your cart

Shop through our collections and products and select Affirm at checkout. Then enter a few details for an instant decision. Affirm will 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

Choose how to pay

Select your payment plan, then confirm your loan. Affirm will never charge more than you see up front.

For example: Let’s say you make a purchase of $1,000. Choose to pay over 3 ($333/mo), 6 ($166/mo) or 12 ($83/mo) months from 0-30% APR (subject to provincial regulatory limitations).

Step 3

Make your payments

Make your payments

Affirm will send you email and text reminders whenever a payment’s coming up. (Message and data rates may apply.)

Questions? We’re here to help

Will Affirm affect my credit score?

Creating an Affirm account and seeing if you prequalify will not affect your credit score.

Does Affirm charge interest and fees?

Fees - We don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.

Interest - Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.

What does it mean to prequalify?

When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase. The final amount you qualify for is subject to eligibility criteria.

Can I use my PayBright login on Affirm?

PayBright is now Affirm! When you make your first purchase with Affirm, you will create a new account. If you have an existing PayBright loan, you can access your PayBright loan and account information through the PayBright portal.