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Affirm

Make flexible payments with Affirm

Affirm Makes Buying Easy!

Immediate Decision

It’s very quick and simple to apply for a Affirm Payment Plan. Just a few clicks of your mouse, a few questions answered and a decision is made immediately.

Pay Monthly

You can choose to pay over a period of 12, 18 or 24 months for purchases over $300.00.

Low Payments &No Hidden Fees

You can choose to pay either monthly or bi-weekly without any hidden fees/surprises with automatic payments. You’ll know exactly what you owe upfront. Affirm will even show you your payment amount after confirming your payment plan. You’re good to go, it’s that easy!


How To Choose Affirm

Select Affirm at Checkout

Add your products to your cart as usual and select Affirm as your payment method. You will be redirected to Affirm to view Plan Details.

Apply Online

Apply with Affirm’s Easy Online Application in under a minute and wait for your instant decision.

You’re Good to Go

Once you complete your checkout with Affirm, Gibbys will process and ship out your order.

Frequently Asked Questions

Are there any limits to what I can spend with Affirm?

While Affirm makes payment plans easy, they are not available for orders under $300.00

What are the requirements to use Affirm?

  • You must be 18+ years old*
  • You must be a resident of Canada
  • You’ll need A Canadian bank account or a Visa/Mastercard credit/debit card. Your debit card must have the Visa or Mastercard logo
  • You’ll need An SMS-capable Canadian phone number
  • Your cart size must be at least $300.00 to use Affirm as a payment option at checkout

*18 years of age (AB, MB, ON, PEI, QC, SK)/ 19 Years of age (BC, NB, NF, NT, NS, NU, YK)

How do I apply for an Affirm plan?

If your cart amount is at least $300, the option to use Affirm will appear at checkout. Once you confirm your mobile phone number, you’ll be sent a one-time SMS password. Then, simply enter a few details for an instant decision. Upon approval, you will set up your repayment method with Affirm and accept the terms of your payment plan.

How do I make payments?

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

Can I use Affirm to pay for only part of my purchase?

Affirm payment plans are applied to your entire order.

How do returns work if I paid using Affirm?

Purchases made using Affirm payment plans are subject to Gibbys standard return policy. Returns will be processed by Gibbys and your Affirm plan balance will be reduced or cancelled accordingly. If you have already made monthly payments, those may be partially refunded to you by Affirm.

How do I access my Affirm account?

You can access your account once you have completed a transaction with Affirm. If you have any questions or trouble logging in, please contact Affirm.

Can I prepay my outstanding Affirm balance?

Absolutely, at any time! There are no penalties or fees for making partial payments or paying off the remaining balance. To pay off your current balance, please contact us.

My Affirm transaction wasn’t completed. What happened?

Unfortunately, payment plans through Affirm are not available to every applicant. This could be because Affirm was not able to verify the identity or payment method or it could be due to the information that appears on the credit file.

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.