Buy now, pay later with Affirm.

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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

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Bi-weekly payments

Make 4 interest-free payments every 2 weeks.
Ideal for everyday shopping.

  • No interest or fees
  • No impact on your credit score
  • Set up automatic payments easily
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Monthly payments

Choose monthly payments.
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.
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No impact on credit

Checking your eligibility is quick and easy — and it won't affect your credit score.

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Setup in minutes

Setting up autopay is easy, all you have to do is enjoy your purchase.

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No hidden fees — ever

That's why over a million shoppers trust Affirm.

How to buy with Affirm in 3 steps

Step 1
Step 1

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.

Step 2
Step 2

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.

Step 3
Step 3

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.