Buy now, pay later with Affirm.
Drive now, pay later with no fees
Affirm is a smarter way to pay in installments. Shop and pay at your own pace, with no hidden fees, so you can get what you love without breaking your budget. Affirm is available exclusively online.
The choice is yours
Make 4 interest-free payments every 2 weeks. Options sometimes offered at 0% APR depending on your eligibility.
Ideal for everyday shopping.
- No impact on your credit score
- No interest in 0% APR options
- Payments set up automatically
Spread your payments over several months. Some terms may be offered at 0% APR depending on your eligibility.
Perfect for larger purchases.
- No interest or fees
- No impact on your credit score
- Set up automatic payments easily
Pay in installments for what you love
Pay in 4 installments or opt for monthly payments for larger purchases. Rates from 0 to 32% APR (subject to provincial regulatory limitations). See below for details.
Checking your eligibility is quick and easy — and it won't affect your credit score.
Setting up autopay is easy, all you have to do is enjoy your purchase.
The rate and terms are always clearly displayed before you confirm your purchase, including 0% APR options when available. Affirm never charges hidden fees.
How to buy with Affirm in 3 steps
Fill your cart
Shop at your favorite stores and select Affirm at checkout. Then enter a few details for an instant decision. We run a soft credit check when you apply for your Affirm payment plan. This will not affect your credit score.
Choose your payment method
Select your payment plan, then confirm your loan. We'll never charge more than you see upfront. For example: Suppose you make a purchase of $1,000. Choose to pay in 4 interest-free bi-weekly installments of $250 or pay over 3 ($333/month), 6 ($166/month) or 12 ($83/month) months at a rate of 0 to 32% APR (subject to provincial regulatory limitations). Please see the table for details.
Make your payments
Manage your payments in the Affirm app or online, and turn on autopay so you never miss a payment. But if you do, you'll never pay a fee.
Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be 0–31.99% 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 (or a payment due today) 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 https://www.affirm.com/en-ca/how-it-works