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

Pay at your own pace

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

Why you’ll love Affirm

With Affirm, you’ll never owe more than you agree to up front. Instead, you’ll always get a flexible, transparent, and convenient way to pay over time.

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.

Just choose Affirm at checkout

Amazon

Peloton

As low as 0% APR

Newegg

As low as 0% APR

Article

As low as 0% APR

Sony Shop

As low as 0% APR

Secret Lab

As low as 0% APR

Browns

As low as 0% APR

Steve Madden

As low as 0% APR

Rad Power Bikes

As low as 0% APR

Cozey

As low as 0% APR

Endy

As low as 0% APR

Suzy Shier

As low as 0% APR

Ghost Bed

As low as 0% APR

Treadmill Factory

As low as 0% APR

Le Château

As low as 0% APR

Camera Canada

As low as 0% APR

Buying with Affirm is easy

Step 1

Step 2

Step 3

Fill your cart

Shop online or in-store. Then select Affirm at checkout, and 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. For more information, please see How It Works.