Frequently Asked Questions

Yes, you must:

Have reached the legal age of majority in the province or territory where you reside.

Be a resident of Canada.

Be the holder of a Canadian bank account or a Canadian Visa or Mastercard debit card (your debit card must bear the Visa or Mastercard logo). Available payment methods may vary depending on the payment plan chosen.

Have a Canadian phone number that can receive text messages and an email address.

Meet the minimum cart limit to use Affirm as your payment plan at checkout.

If your cart can be paid in monthly installments with Affirm, the option will appear at checkout. After confirming your phone number, you will receive a password via SMS to verify your identity. Then you will give some information to get an immediate decision. If your application is approved, you will set up your repayment plan with Affirm and agree to the terms of your payment plan.

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

For more information about interest or fees, please see this FAQ article on the Affirm Support site.

Unfortunately, Affirm is unable to offer payment plans to every applicant. This may be due to information in your credit report, or because Affirm was unable to verify your identity or payment plan.

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

Affirm currently accepts pre-authorized withdrawals from your Canadian bank account or debit card. Payment plans offered may vary depending on the payment plan chosen. Please note that prepaid cards are not accepted.

To view your account information and track upcoming payments, please log in to the Affirm Customer Portal using the phone number you used to register. You have problems? Please contact the Affirm team .

Of course, you can do this at any time! There are no penalties or fees for early repayments. To pay off your current balance, please log in to the Affirm Customer Portal by entering the phone number you used to register. If you have additional questions about your account or payment schedule, send us a message here .

Please contact the Affirm team who will be happy to review the options available. You can communicate with them using this contact form .

For more information about late or bounced check fees, please see this FAQ article on the Affirm Help Center.

Purchases made with Affirm are subject to LUSINE's standard return policy. All returns will be processed by LUSINE, and your Affirm balance will be reduced, canceled or refunded accordingly. If LUSINE has reimbursed you in the form of a gift card, you must continue to repay your financing plan in full. For information regarding returns, see LUSINE's returns policy here .

Please see the Payment Plan Agreement for complete information regarding your payment schedule.

Please see the Payment Plan Agreement for complete information regarding your payment schedule.

No, you will not be charged. If you have already made a payment to Affirm and are owed a refund, it may take 5 to 10 business days for it to appear on your bank account or credit card statement. If you have any questions regarding the refund process, please reach out to the Affirm team through this contact form .

Affirm does not require an annual fee. For more information on related fees, please see this helpful FAQ article on the Affirm Support site.

You can find them here .

For further information, please visit the Affirm Support Center or contact Affirm here .