Affirm: Buy now, pay over time

Shop stress-free at any participating retailer and break up the cost into flexible payments. There are no late fees, hidden fees, or surprises—ever. We'll show you exactly what you're paying from the get-go, and we’ll never charge you with penalties or hidden costs of any kind.

Manage your account and make payments using the Affirm app–we'll even send you email and text reminders to keep you on track with your payment plan. Toggle on AutoPay so you never miss a payment, and even if you do, you’ll never pay late fees.

Shopping with Affirm is simple and easy.

Shop at your favourite store, find what you want, and choose Affirm at checkout.
We’ll check your eligibility (this only takes a moment and won’t affect your credit score).
Choose the payment option and plan that works best for your budget. We'll never charge more than you see upfront.
Complete your purchase online and pay over time with Affirm.

Get what you love while staying in control of your budget with buy now, pay over time flexibility. Shop the smarter way with Affirm.

A down payment (or payment due today) may be required. Rates are from 0-30% APR (where applicable and subject to provincial regulatory limitations). Examples shown. Subject to eligibility check and approval. Payment options depend on your purchase amount. Estimated payment amount excludes taxes and shipping fees. Actual terms may vary. Available in select provinces and/or territories. Visit affirm.ca/help for more information.