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.

The choice is yours

Affirm Pay in 4

Make 4 interest-free payments every 2 weeks. Great for everyday purchases.

  • No interest or fees

  • No impact on your credit score

  • Set up easy, automatic payments

Monthly Payments

Choose monthly installments. Perfect for bigger ticket items. 

  • 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 0-32% 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.

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Get set up in minutes

Setting up Autopay is easy, so the only thing you’ll have to do is enjoy your purchase.

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No hidden fees – ever

That’s why over 1 million shoppers trust Affirm.

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. 

Image of a phone screen with items for purchase
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.

Options to pay with Affirm
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.

Screenshot of Affirm UI to set-up your automatic payments
The table below is representative of credit and terms offered by Affirm Canada
Purchase Amount
Monthly Payment
Number of Payments
Total Interest Charges
Total Processing Fees
Total Cost of Borrowing
Total Repayment Amount
Credit Rate
$1,000
$166.67
6
0
0
0
$1,000
0%
Example of a $1,000 purchase at 0% interest over 6 month period. Downpayment may be required.
The table below is representative of credit and terms offered by Affirm Canada
Purchase Amount
Monthly Payment
Number of Payments
Total Interest Charges
Total Processing Fees
Total Cost of Borrowing
Total Repayment Amount
Credit Rate
$3,000
$250
12
0
0
0
$3,000
0%
Example of a $3,000 purchase at 0% interest over 12 month period. Downpayment may be required.

Use Affirm here—and there

Choose us 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.

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Download the app

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

Need more info?

We’ve got you.

Visit our Help Centre

Questions? We’re here to help

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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.