Easy Monthly or bi-weekly payments
for as low as 0% APR.
Why choose Affirm?
Pay for what you need and break up
the cost of your purchase over bi-
weekly or monthly repayments.
How does it work?
What do I need?
OR ON CALL-TO-ORDER ITEMS/PURCHASES.
Purchase
Amount
Payment
Options
Number of
payments
Total repayment
Amount
Credit rate
(APR)
Total cost
Of borrowing
Total interest
charges
$1200
$102.73/month
12
$1232.73
5%
$32.73
$32.73
$200
$50/biweekly
4
$200
0%
$0
$0
Frequently asked questions.
How do returns work if I paid using Affirm?
Purchases made using Affirm are subject to Hudson’s Bay and Zellers standard return policy that can be found HERE.
By mail:
Once your return is received and processed by Hudson’s Bay and Zellers, your Affirm balance will be reduced or canceled accordingly. If you have already made payments, those will be refunded to you by Affirm to your original method of payment. If you choose to mail in your return, you will be subject to the $12 shipping fee. CLICK HERE to start a return.
In store:
When you return your purchase within our standard return policy, the purchase amount will be refunded to a Hudson’s Bay gift card. You will then be required to maintain your Affirm payments until the amount is paid off. If you choose to pay off the full balance, please contact AFFIRM.
What if I’m having trouble checking out with Affirm?
Please see this helpful FAQ ARTICLE on the Affirm help site or contact us HERE.
Does Affirm do a credit check?
To learn more about Affirm and credit checks, please read this FAQ ARTICLE on the Affirm help site.
Can I use or purchase a gift card when using Affirm?
Currently, it is not possible to select Affirm as a payment method if a gift card is in your cart at checkout.
What methods of payment does Affirm accept?
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.
How much can I pay with Affirm?
Split your payments into 4 interest-free biweekly payments for orders between $50 and $499, or make monthly payments for as low as 0% APR for orders between $500 and $15,000. Your rate will be 0%-31.99% APR (where available and subject to provincial regulatory limitations). Subject to eligibility check and approval. A down payment may be required. See actual terms at checkout.
Are there late or non-sufficient fund (NSF) fees?
For more information on late or NSF fees, please see this FAQ ARTICLE on the Affirm help site.
Where can I find Affirm’s Terms and Conditions?
You can find them HERE.
I still have questions. Who do I contact?
Please contact Affirm’s Customer Service team HERE.
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.