Affirm FAQ
Are there requirements to use Affirm?
Yes. You’ll need:
- To be a Canadian permanent resident or citizen
- To be 18 years of age (AB, MB, ON, PEI, QC, SK)/ 19 Years of age (BC, NB, NF, NT, NS, NU, YK)
- A Canadian bank account or Visa/Mastercard debit card (Your debit card must have the Visa orMastercard logo). Available payment methods. may vary depending on the payment planselected.
- 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 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.
Does Affirm do a credit check?
To learn more about Affirm and credit checks, please read this FAQ article on the Affirm helpsite.
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 an Affirm transaction. What happened?
Unfortunately, Affirm is not able to provide payment plans to every applicant. This could bedue to the information on your credit file, or because Affirm was not able to verify youridentity 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 fees 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 Lights Canada’s standard return policy. Any returns will be processed by Lights Canada, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If Lights Canada 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 Lights Canada’s return policy here.
I still have questions.
For further information, please refer to the Affirm help center.
