Payment through Affirm

What is Affirm?

Affirm is one of Canada’s leading installment payment platforms, providing shoppers with payment solutions at their favourite retailers, both in-store and online.

By selecting Affirm as a payment method at checkout, customers can enjoy their purchase immediately while splitting up the cost over time.

Why use Affirm?

Prequalify before you buy

Get your Affirm purchasing power before—or while—you’re out shopping. Applying will not impact your credit score.

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 a quick decision and complete your purchase.

Enable AutoPay for easy payments

Affirm will automatically debit/charge monthly payments using your preferred payment method. Available payment methods may vary depending on the payment plan.

How do I use Affirm?

How do I use Affirm (Pay Monthly)?

  1. Select Affirm at checkout: Shop at your favourite stores that offer Affirm and select Affirm 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 eligibility check and approval.
  3. Enjoy your purchase: Confirm your payment plan and you’re done! Enjoy your purchase today while making flexible payments over time.


Are there requirements to use Affirm?

Yes. You’ll need:

  • Canadian permanent resident or citizen-18 years of age (AB, MB, ON, PEI, QC, SK)/ 19 Years of age (BC, NB, NL, NT, NS, NU, YK)
  • 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

    How do I sign up?

    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.

    Does Affirm do a credit check?

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

    What is Affirm’s interest rate?

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

    I was not able to complete a Affirm transaction. What happened?

    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.

    Which payment methods are accepted?

    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 can I track my payments and access my Affirm account?

    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.

    What if I can’t make a payment?

    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.

    Are there late or NSF fees?

    Affirm does not charge any late or NSF fees. For more information on fees, please see this FAQ article on the Affirm help site.

    How do returns work if I paid using Affirm?

    Purchases made using Affirm are subject to Delightful Yard’s standard return policy. Any returns will be processed by Delightful Yard, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If Delightful Yard 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 Delightful Yard's return policy here.

    How do I make my payments?

    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.

    When will my payments begin? And what if I have pre-order products?

    Please refer to the payment plan agreement for all of your payment schedule information.

    Can I prepay my outstanding Affirm balance?

    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, send us a message here.

    What if the order is canceled? Will I still be charged?

    No, you won’t 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.