Affirm
4 biweekly, interest-free payments are automatically charged to your Visa or Mastercard debit or credit card. It’s simple and quick!
What is Affirm?
Affirm is 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 checkout, clients can enjoy their purchase immediately, while spreading their payments over time.
Why use Affirm?
No impact on credit score
Using a Pay in 4 Affirm payment plan won’t impact your credit score.
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 card.
How do I use Affirm?
- Shop: Browse Carolily and add your favourite finds to your shopping cart.
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Select: When you reach checkout, navigate to the Payment Method section, choose "Alternative Payment Methods", and then select Affirm as your payment method.
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- Checkout: Complete your purchase and pay later in 4 equal payments.
- Pay: The remaining 3 payments are charged to your debit or credit card every two weeks.
Example Purchase
Here's an example for a $240 purchase over 4 weeks.
Purchase price- $240
Biweekly payments- $60
Number of payments- 4
Total interest charges- $0
Total processing fees- $0
Total cost of borrowing- $0
Total repayment amount- $240
Credit rate- 0% APR
Frequently Asked Questions
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How do I apply Affirm to my order?
At checkout, navigate to the "Payment Method" section. Click the arrow on the right hand side to display additional payment methods, click "Alternative Payment Methods" and select "Affirm" from the available options.
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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 Canadian permanent resident or citizen
• A Canadian 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 apply?
If your basket is eligible for 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 helpful FAQ article on the Affirm help site. -
Which payment methods are accepted?
Affirm currently accepts Visa and Mastercard credit or debit cards. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted. -
How can I track my payments and access my Affirm account?
Your login details to access your Affirm account are in the confirmation email sent to you when you first completed your transaction. Can’t find the details? Please contact 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 or NSF fees?
For more information on late or NSF fees, please see this FAQ article on the Affirm help site. -
How do returns work?
Purchases made using Affirm are subject to Carolily Finery’s standard return policy. Any returns will be processed by Carolily Finery, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If Carolily Finery 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 Carolily Finery's return policy here. -
I still have questions.
For further information, please refer to Affirm’s FAQ page.
*Please note that Affirm is an independent payment company and Carolily has no influence over whether your payment with Affirm is accepted or not. If you have any trouble with your order, please contact Affirm via their website contact form.