Spread the cost of a purchase over $300 to $15,000 into easy monthly payments*. Just select Affirm at checkout.
*Subject to credit approval.

What is Affirm?

Affirm is Canada’s leading installment payment platform, providing shoppers with solutions to split the costs 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

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: a bank account or a Visa/Mastercard
debit/credit card. 


How do I use Affirm?

1. Select Affirm at checkout
Shop at your favourite stores that offer Affirm and select us as
your payment option at checkout.
2. Get set up
Use your mobile phone number to set up your Affirm plan within
60 seconds.
3. Enjoy your purchase!
Confirm your payment plan and then you’re done! Enjoy your
purchase today and pay later.


Cart Size  Financing Terms
$300 to $1,499.99 3, 6, 12 months

0% to 31.99% APR*

$1,500 to $2,999.99 6, 12, 24 months

0% to 31.99% APR*

$3,000 to $15,000 12, 24, 36 months

0% to 31.99% APR*

 *depending on borrowers credit quality


Are there requirements to use Affirm?
Yes. You’ll need:

  • To be 18 years of age (AB, MB, ON, PEI, QC, SK)/ 19 Years of age (BC, NB, NF, NT, NS, NU, YK)
  • To be a Permanent Resident or Citizen of Canada
  • 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 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 helpful 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, w
hat 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 does Affirm work?

Affirm (formerly known as PayBright) is one of Canada’s leading installment payment providers. When you use Affirm to pay at The Outfitter's checkout, you can split your purchase into easy, automatic monthly payments.

To use Affirm as your preferred payment choice at checkout:

1. Add items to your shopping cart as usual, and select Affirm as your payment method at checkout for orders between $300 and $15,000 (including taxes and shipping).
2. Get set up: Use your mobile phone number to set up your Affirm plan within 60 seconds.
3. Confirm your payment plan with Affirm. The Outfitters will process and ship your order as usual.
4. Make 3, 6, 12, 24 or 36 monthly payments to Affirm while you enjoy your purchase.

How do I make my payments?

Affirm will help you set up convenient, pre-authorized payments via
your bank account or a Canadian bank account, or a Visa/Mastercard
credit/debit card.

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.

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.

Why don’t I see Affirm as a payment option at
If your retailer offers Affirm, but you don’t see it as a payment option,
please see this helpful FAQ article on the Affirm help site.

How much can I spend with Affirm?

Affirm payment plans are available for orders from $300 to $15,000.

Is there an annual fee?

Affirm does not charge annual fees. For more information on related fees, please see this helpful FAQ article on the Affirm help site.

Fine Print 

*Monthly payment amounts, interest, and loan terms may depend on
your personal credit profile. Some conditions apply. All transactions
are subject to approval by Affirm. Loan offers may vary for customers in the
province of Quebec.

*Certain conditions apply and all transactions are subject to approval
by Affirm. The amount of your monthly payment and the interest
you will pay depend on your credit report.Please see terms for full details.

*Your monthly payment amount, the interest you will pay, and the loan
terms available depend on your personal credit profile. Conditions apply
and all transactions are subject to approval by Affirm.

*Please note that Affirm is an independent payment company
and The Outfitters has no influence over whether your payment with
Affirm is accepted or not. If you have any trouble with your order,
please contact Affirm Customer Service.

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.