Pay at your own pace with Affirm

As low as 0% APR on easy, monthly payments with Affirm

Just select Affirm at check out

What is Affirm?


Affirm (formerly known as PayBright) is one of Canada’s leading installment payment platform, providing
shoppers with buy now, pay later solutions at their favourite retailers, both in-store and online.
By selecting Affirm as a payment method at check-out, customers can enjoy their purchase immediately,
while spreading their payments over time. Click HERE to find out what amount you are eligible for.

Why Use Affirm?

  • Prequalify before you buy
    Get your Affirm spending limit while you’re still shopping.

  • Quick and convenient checkout.
    Place your order quickly and easily by choosing Affirm as your payment method at checkout. Enter a few details to get an instant decision and complete your purchase.

  • Easy payments.
    Affirm will automatically debit/charge monthly payments using your preferred payment method. Available payment methods may vary depending on the payment plan selected.

How Do I Use Affirm?

  • Select Affirm at checkout

    Shop at your favourite stores that offer Affirm and select us as your payment option at
    checkout

  • Get Set Up

    Use your mobile phone number and email to set up your Affirm plan within 60 seconds.
    Subject to credit approval.

  • Enjoy your purchase!

    Confirm your payment plan and then you’re done! Enjoy your purchase today and break
    up the cost.


Are there requirements to use Affirm?


Yes. You’ll need:
● To be the legal age of majority in the province or territory in which you reside
● To be a resident of Canada
● A Canadian bank account or Visa/Mastercard debit card (Your debit card must have the Visa or
Mastercard logo). Available payment methods may vary depending on the payment plan
selected.
● An SMS-capable Canadian phone number and an email address
● To meet the minimum cart size required to use Affirm as a payment option at checkout

How do I sign up?


If your basket is eligible for monthly payments with Affirm, the option will be presented at
checkout. After confirming your phone number, you’ll be sent a one-time SMS password to
confirm your identity. You’ll then enter a few details for an instant decision. If you’re approved,
you will have the option to set up your repayment method with Affirm and accept the terms of
your payment plan.


Does Affirm do a credit check?

To learn more about Affirm and credit checks, please read this FAQ on the Affirm help
site.


What is Affirm’s interest rate?


For more information on interest or fees, please read this FAQ article on the Affirm help site.
I was not able to complete a Affirm transaction. What happened?
Unfortunately, Affirm is not able to provide payment plans to every applicant. This could be
due to the information on your credit file, or because Affirm was not able to verify your
identity or your payment method.

Which payment methods are accepted?


Affirm currently accepts pre-authorized debits from your Canadian bank account or a debit
card. Available payment methods may vary depending on the payment plan selected.
Please note that prepaid cards are not accepted.


How can I track my payments and access my Affirm account?


To view your account information and track upcoming payments, please login to the Affirm
Customer Portal using the phone number you used to sign up with. Having trouble? Please
get in touch with the Affirm team.


What if I can’t make a payment?


Please reach out to the Affirm team and they will be happy to look into the options available.
You can look at the Affirm help centre.


Are there late or NSF fees?

Affirm does not charge any late or NSF fees. For more information on fees, please see FAQ’s


FAQ article on the Affirm help site.


How do returns work if I paid using Affirm? Refunds


Purchases made using Affirm are subject to Verveine Studios standard return policy. Any
returns will be processed by Verviene Studios. There are no REFUNDS!


I still have questions.

For further information, please refer to the Affirm help center or get in touch here.

*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. Financing offers may vary from time to time and may be amended or cancelled at any time. See https://helpcenter.affirm.ca for more information.

* 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. Financing offers may vary from time to time and may be amended or cancelled at any time. See

*Your monthly payment amount, the interest you will pay, and the loan terms available depend on your personal credit profile. Conditions apply and all transactions are subject to approval by Affirm.


*Payment plans offered by Affirm Canada Holdings Ltd. ("Affirm"). Verveine Studios has no influence on whether you are offered and/or approved for a payment plan with Affirm. If you have an issue with your purchase, please contact Affirm or review our customer Terms of Service.