Affirm | Buy now, pay later with no late fees or surprises

Welcome to a smarter way to pay

PayBright is now Affirm! Buy now and pay later at your favourite stores with Affirm with no hidden fees -- not even late fees.

Why you’ll love Affirm

We’re here to help you say yes. Yes to things like getting new shoes, or fixing the family van, or skiing in Whistler. Yes to the things that make your life easier and more enjoyable.

We make it easy to apply

Checking your eligibility is quick and simple, and doesn’t impact your credit.

We never charge fees

You'll never pay late fees. Or annual fees. Or hey-it's-a-random-day-in-April fees.

We tell it like it is

With Affirm, you always know exactly what you'll owe and when you'll be done paying off your purchase.

Buying with Affirm is easy

Step 1

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Fill your cart

Just select Affirm at checkout, then enter a few details for an instant decision.

Get started Learn more

Image of a phone screen with items for purchase

Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0% APR or 10–36% APR based on credit, and is subject to an eligibility check. Affirm Pay-in-4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. A down payment may be required. For example, 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. Affirm savings accounts are held with Cross River Bank, Member FDIC. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681. Debit+ Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Debit+ Visa® Debit Card pursuant to a license from Visa U.S.A. Inc. Debit+ is not available to residents of New Mexico or U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.