Shop now, pay later with Affirm
Spread the cost of a purchase over $2,000 into 12 easy monthly payments. Just select Affirm at checkout.
0% APR (where available and subject to provincial regulatory limitations). Subject to eligibility
check and approval. A down payment may be required. See actual terms at checkout.
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.
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?
1.
Select Affirm at checkout
Shop at your favourite stores that offer Affirm and select us as your payment option at
checkout.
2.
Get set up
Use your mobile phone number and email to set up your Affirm plan within 60 seconds.
Subject to credit approval.
3.
Enjoy your purchase!
Confirm your payment plan and then you’re done! Enjoy your purchase today and break
up the cost.
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Frequently Asked Questions
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 Canadian permanent resident or citizen – 18 years of age (AB, MB, ON, PEI, QC, SK)/ 19 Years of age (BC, NB, NF, NT, NS, NU, YK)
- 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 article 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?
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?
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 contact them using this contact form.
Are there late or NSF fees?
Affirm does not charge any late or NSF fees. For more information on fees, please see this FAQ article on the Affirm help site.
How do returns work if I paid using Affirm?
Purchases made using Affirm are subject to Raffi Jewellers standard return policy. Any
returns will be processed by Raffi Jewellers, and your Affirm balance will be reduced,
cancelled, or refunded accordingly. If Raffi Jewellers has provided a refund to you via a
gift card, you must still continue repaying your installment plan in full. For information on returns, review Raffi Jewellers return policy here.
I still have questions.
For further information, please refer to the Affirm help center or get in touch here.
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.
