Pay at your own pace.
Explore financing plans over 3, 6, 12, 18, or 24 months with an annual percentage rate (APR) starting at 0%.
Why use Affirm?
No impact on your credit score
Using an Affirm payment plan does not affect your credit score.
Fast and easy payment at checkout
Select Affirm as your payment method at checkout.
Convenient financing options
Multiple payment terms are available to you.
No fees.
You won't pay any sign-up fees, late fees, or surprise fees.
How to use Affirm?
1. Select Affirm at checkout.
Choose Affirm as your payment option on the checkout page.
2. Set up your Affirm plan.
Use your mobile phone number and email address to set up your Affirm plan, subject to eligibility verification and approval.
3. Enjoy your purchase!
Confirm your payment plan to complete your purchase!
Example of a $1,200 purchase at 0% annual percentage rate (APR) over 12 months with Affirm.
Example of a $4,500 purchase at a 5% annual percentage rate (APR) over 18 months with Affirm.
Frequently Asked Questions
Your credit score will not be impacted by creating an Affirm account or by the eligibility check.
Online: If your purchase qualifies for financing with Affirm, the option will appear on the checkout page. After confirming your phone number, you will receive a text message to verify your identity. If approved, you will then set up your payment method with Affirm and accept the terms of your payment plan.
In-store: If you're making an in-store purchase, a link will be sent to you by email or text. You can complete your registration on the webpage linked in the message you received.
1. Be eligible for a financing plan offered by Affirm.
2. Have a credit profile that qualifies for a 0% interest rate.
3. Have a shopping cart valued at $1,000 or more before taxes.
Affirm will help you set up a convenient pre-authorized payment plan using your Canadian bank account or your Visa or Mastercard debit card.
To view your account information and track upcoming payments, access the Affirm portal using the phone number you used to sign up and log in. If you encounter any issues, please contact Affirm's customer support team.
Fees – Affirm does not charge any fees, regardless of the situation. This means no fees for late payments, no fees for early repayment, and no annual, account opening, or account closing fees.
Interest – Your payment plan may include interest, depending on the purchase amount. Interest rates are fixed and determined upfront, allowing you to clearly understand the cost of your financing.
No. You will not have to pay any fees or penalties if you make an early payment.
And if you pay off your loan before the final due date, you will save on any interest that has not yet accrued.
Affirm does not charge late fees. However, late or partial payments may affect your chances of obtaining another loan with Affirm.
Underpayment
If a payment is less than the amount due, you must pay the difference by the next scheduled due date.
If you wish to inform Affirm that you are behind, please call Affirm at 888-484-4282. While Affirm cannot change your due date, they will note your payment promise.
You can reach us by email at info@fillion.ca, by phone at (514) 254-6041, or in-store.