Pay at your own pace, the Affirm advantage

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:

An $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

Pay monthly:

Yes. You'll need:

• To be the legal age of majority in the province or territory in which you reside
• To be a resident of Canada
• A Canadian bank account or Visa/Mastercard debit card (your debit card must have the Visa or Mastercard logo)
• Available payment methods may vary depending on the payment plan selected
• An SMS-capable Canadian phone number and an email address
• To meet the minimum cart size required to use Affirm as a payment option at checkout

Pay in 4:

Yes. You'll need:

• To be the legal age of majority in the province or territory in which you reside
• To be a resident of Canada
• A Canadian Visa, Mastercard, Amex, or Discover credit card, or a Visa or Mastercard debit card (with the Visa/Mastercard logo), which can be used for online transactions
• An SMS-capable Canadian phone number
• To meet the minimum cart size required to use Affirm as a payment option at checkout

If your basket is eligible for monthly payments with Affirm, the option will be presented at checkout. After confirming your phone number, you’ll be sent a one-time SMS password to confirm your identity. You’ll then enter a few details for a quick decision. If you’re approved, you will have the option to set up your repayment method with Affirm and accept the terms of your payment plan.

To learn more about Affirm and credit checks, please read this FAQ article on the Affirm help site.

For more information on interest or fees, please read this FAQ article on the Affirm help site.

Unfortunately, Affirm is not able to provide payment plans to every applicant. This could be due to the information on your credit file, or because Affirm was not able to verify your identity or your payment method.

To view your account information and track upcoming payments, please login to the Affirm customer portal using the phone number you used to sign up with. Having trouble? Please get in touch with the Affirm team.

Affirm will help you set up convenient, pre-authorized payments via your Canadian bank account, or a Visa/Mastercard debit card. Available payment methods may vary depending on the payment plan selected.

Purchases made using Affirm are subject to SecondShop's standard return policy. Any returns will be processed by SecondShop, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If SecondShop has provided a refund to you via a gift card or store credit, you must still continue repaying your installment plan in full.

You can find them here.