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What is Affirm?

Affirm (formerly known as PayBright) is one of Canada’s leading instalment 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. Learn more about how it works here.

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.

Easy Payments

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

How Do I Use Affirm?

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Select Affirm at checkout

Shop at your favourite stores that offer Affirm and select Affirm as your payment option atcheckout.

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Get Set Up

Use your mobile phone number and email to set up your Affirm plan within 60 seconds. Subject to credit approval.


Enjoy Your Purchase!

Confirm your payment plan and then you’re done! Enjoy your purchase today and breakup the cost.

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.