Split up the cost with Affirm

Make flexible payments at as low as 0% APR with Affirm
Just select Affirm at checkout.

Split up the cost with Affirm

Make flexible payments at as low as 0% APR with Affirm
Just select Affirm at checkout.

What is Affirm?

Affirm (formerly known as PayBright) is one of Canada's leading installment 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.

What Is Affirm?

Affirm (formerly known as PayBright) is one of Canada's leading installment 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.

Why Use Affirm?

Prequalify before you buy

Quick and convenient checkout

Easy payments

Get your Affirm spending limit while you’re still shopping.

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.

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

Why Use Affirm?

1. Prequalify before you buy

2. Quick and convenient checkout

3. Easy payments

Get your Affirm spending limit while you’re still shopping.

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.

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

How do I use Affirm?

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1. Select Affirm at checkout

2. Get set up

3. Enjoy your purchase!

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

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

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

Frequently Asked Questions

Are there requirements to use Affirm?

Yes. You’ll need:
• 18 years of age (AB, MB, ON, PEI, QC, SK)/ 19 Years of age (BC, NB, NF, NT, NS, NU, YK)
• Canadian permanent resident or citizen
• A Canadian bank account or a Visa/Mastercard credit/debit card. Your debit card must have the Visa or Mastercard logo
• An SMS-capable Canadian phone number
• To meet the minimum cart size required to use Affirm as a payment option at checkout

How much can I spend with Affirm?

Affirm payment plans are available for orders from $100 to $15,000.

Are there late or NSF fees?

For more information on late or NSF fees, please see this FAQ article on the Affirm help site.

How do I make payments?

Affirm will take convenient pre-authorized payments from either your Canadian bank account or your Visa/Mastercard debit/credit card.

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 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.

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.

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 be due to the information on your credit file, or because Affirm was not able to verify your identity or your payment method.

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.

How do returns work if I paid using Affirm?

Purchases made using Affirm are subject to SOLE Fitness Canada’s standard return policy. Any returns will be processed by SOLE Fitness Canada, and your Affirm balance will be reduced, cancelled, or refunded accordingly. For information on returns, review SOLE Fitness Canada’s return policy here.

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

No, you will not 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.

Where can I find Affirm's Terms and Conditions?

You can find them here.

What if I get declined from using Affirm?

Please use an alternate payment method to complete your purchase.

What if I haven't received an email regarding my payment plan, or if I need additional help with my payment plan?

For help with payment information, or if you haven’t received your Affirm email confirmation, please contact the Affirm team via their website.

How long does it take to reverse a pending Affirm authorization on my credit card?

Most authorizations are reversed within 24 hours, however this is ultimately up to your financial institution, and may take 5-10 business days to be reflected on your credit card statement.

I still have questions.

For further information, please refer to Affirm’s FAQ page.

Cost of Credit Disclosure

Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be up to 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.
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. 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. Financing offers may vary from time to time and may be amended or cancelled at any time.
See https://helpcenter.affirm.ca for more information.
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