Overview:
Affirm Financing Canada provides a modern, flexible financing solution designed to make purchases more accessible for Canadian consumers. By offering transparent, easy-to-manage installment plans, Affirm helps Canadians manage their budget while enjoying the products and services they love.
How It Works:
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Seamless Application: At checkout, simply select Affirm as your payment option. The application process is straightforward and quick, requiring minimal personal information.
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Instant Decisions: Receive a decision within seconds. Affirm provides real-time approval and offers, so you know exactly what your payment options are right away.
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Flexible Payment Plans: Choose from various payment plans tailored to fit your budget. Options typically include 3, 6, 12, or 24 months, with clear terms and no hidden fees.
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Transparent Terms: Affirm’s financing plans come with clear terms. You’ll know exactly how much you need to pay each month and the total cost of your purchase.
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Manage Your Account: Access your Affirm account online or through the mobile app to view your payment schedule, make payments, and track your balance.
Benefits:
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No Hidden Fees: Affirm charges no late fees, prepayment fees, or hidden charges. What you see is what you get.
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Easy Budgeting: Spread the cost of your purchase over time with fixed monthly payments, making it easier to manage your budget.
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Instant Decision: Get immediate financing decisions and start enjoying your purchase right away.
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Flexible Options: Tailor your payment schedule to fit your needs, with a range of terms and payment plans.
Eligibility:
To qualify for Affirm Financing in Canada, you must:
- Be a Canadian resident.
- Have a valid Canadian bank account or credit/debit card.
- Meet Affirms credit criteria, which are evaluated during the application process.
- To be the legal age of majority in the province or territory in which you reside
FAQs
Can I pay off my purchase early?
Yes, there’s no penalty for paying early.
How do I make my payments?
You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments
are due.
Can I return an item I bought with Affirm?
Yes, you can return an item you bought with Affirm by initiating the return process with the store.
Does checking my eligibility affect my credit score?
No, your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm this may impact your credit score. You can find more information in Affirms Help Center.
Do I need a mobile number to use Affirm? Yes, you’ll need a mobile phone number . This helps Affirm verify it’s really you who is creating your account and signing in.
Where can I learn more about Affirm?
You can visit their website at affirm.com.
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