What is Affirm?
Affirm (formerly known as PayBright) is one of Canada’s leading installment payment platform, providing shoppers with buy now, pay later solutions at their favourite retailers, both in-store and online. By selecting Affirm as a payment method at check-out, customers can enjoy their purchase immediately, while spreading their payments over time.
Why use Affirm?
Prequalify before you buy
Get your Affirm spending limit while you’re still shopping.
Quick and convenient checkout
Place your order quickly and easily by choosing Affirm as your payment method at checkout. Enter a few details to get an instant decision and complete your purchase.
Affirm will automatically debit/charge monthly payments using your preferred payment method. Available payment methods may vary depending on the payment plan selected.
How do I use Affirm?
1. Select Affirm at checkout
Shop at your favourite stores that offer Affirm and select us as your payment option at checkout.
2. Get set up
Use your mobile phone number and email to set up your Affirm plan within 60 seconds. Subject to credit approval.
3. Enjoy your purchase!
Confirm your payment plan and then you’re done! Enjoy your purchase today and break up the cost.
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
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 an instant 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.
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.
Affirm currently accepts pre-authorized debits from your Canadian bank account or a debit card. Available payment methods may vary depending on the payment plan selected. Please note that prepaid cards are not accepted.
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.
Please reach out to the Affirm team and they will be happy to look into the options available. You can contact them using this contact form.
Affirm does not charge any late or NSF fees. For more information on fees, please see this FAQ article on the Affirm help site.
Purchases made using Affirm are subject to Nuovo Photography Inc.’s standard return policy. Any returns will be processed by Nuovo Photography Inc., and your Affirm balance will be reduced, cancelled, or refunded accordingly. If Nuovo Photography Inc. has provided a refund to you via a gift card, you must still continue repaying your installment plan in full. For information on returns, review Nuovo Photography Inc.'s return policy
Affirm will help you set up convenient, pre-authorized payments via your Canadian bank account, or a Visa/Mastercard credit/debit card. Available payment methods may vary depending on the payment plan selected.
Please refer to the payment plan agreement for all of your payment schedule information.
Sure, at any time! There are no penalties or fees for early repayments. To pay off your current balance, please login to the Affirm Customer Portal with the phone number you used to sign up with. If you have any additional questions about your account or payment schedule, contact us here.
No, you will not be charged. If you’ve already made a payment to Affirm and are owed a refund this may take up to 5-10 business days to appear on your bank account or credit card statement. If you have any questions about the refund process, please reach out to the Affirm team through this contact form.
Please use an alternate payment method to complete your purchase.
If your retailer offers Affirm, but you don’t see it as a payment option, please see this helpful FAQ article on the Affirm help site.
Affirm does not charge annual fees. For more information on related fees, please see this helpful FAQ article on the Affirm help site.
For help with payment information, or if you haven’t received your Affirm email confirmation, please contact the Affirm team via their website.
Most authorizations are reversed within 24 hours, however this is ultimately up to your financial institution, and may take 5-10 business days to be reflected on your credit card statement.
To qualify for financing, minimum purchase value of cart must be $● before taxes and fees. 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 (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. Financing offers may vary from time to time and may be amended or cancelled at any time. Your monthly payment amount, the interest you will pay, and the loan terms available depend on your personal credit profile. Conditions apply and all transactions are subject to approval by Affirm. Payment plans offered by Affirm Canada Holdings Ltd. ("Affirm"). Nuovo Photography Inc. has no influence on whether you are offered and/or approved for a payment plan with Affirm. If you have an issue with your purchase, please contact Nuovo Photography Inc. or review our customer Terms of Service. See https://helpcenter.affirm.ca for more information.