Make 4 interest-free payments with Affirm

Automatically charged to your debit or credit card, with an initial payment on the day of purchase. It’s simple and quick!

What is Affirm?

Affirm (formerly known as PayBright) is one of Canada’s leading instalment payment platforms, 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 checkout, customers can enjoy their purchase immediately, while spreading their payments over time.

Why use Affirm?

  • Quick and convenient checkout

    Place your order quickly and easily by choosing Affirm as your payment choice at checkout. Simply enter a few details to get an instant decision. Then, complete your purchase.

  • No impact on credit score

    Using a Pay in 4 Affirm payment plan won’t impact your credit score.

  • Easy payments

    Turn on AutoPay and Affirm will automatically charge payments from your chosen payment method, interest-free.

How to use Affirm

  • Shop

    Browse Cavalinho and add your favourite finds to your shopping cart.

  • Select

    At checkout, choose Affirm as your payment method.

  • Checkout

    Complete your purchase and pay over time in 4 equal payments. Subject to credit approval.

  • Pay

    The remaining 3 payments are charged to your debit or credit card every two weeks.

Say yes with confidence

When you buy with Affirm, you always know exactly what you'll owe and when you'll be done paying. You’ll never pay a hidden fee—or any fee, for that matter.

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


Can I pay off my purchase early?

Yes! There’s no penalty for paying early.

How do I make my payments?

You can make or schedule payments at or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

Can I return an item I bought with Affirm?

Yes—you can return an item you bought with Affirm by initiating the return process with the store.

Does checking my eligibility affect my credit score?

No—your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in Affirm’sHelp Center.

Do I need a mobile number to use Affirm?

Yes, you’ll need a mobile phone number from Canada or the U.S. This helps Affirm verify it’s really you who is creating your account and signing in.

Where can I learn more about Affirm?

You can visit their website at

Have a question?