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

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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 Canada Holdings Ltd. (“Affirm”). Your rate will be 0–30% 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 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.