PayPlan by RBC™
Financing Available
Clear, transparent terms. Fair rates. No prepayment penalties.
Pay Over Time
We provide easy and affordable financing through our partner, PayPlan by RBC™, so you can pay for your purchase over time.
Affordable Monthly Plans
Buy now and pay for your purchase over time at competitive interest rates.
No Prepayment Penalties
Pay for your purchase with monthly payments and prepay at any time without penalty.
Easy Application
Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score. Your data is safe and encrypted.
Check your rate in seconds
without leaving our site
Questions? Check the PayPlan by RBC™ FAQs. TM Trademark of Royal Bank of Canada. Used under licence.
Affirm
What is Affirm?
Affirm is one of Canada’s leading installment payment platforms, providing shoppers with payment 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 splitting up the cost over time.
Why use Affirm?
Prequalify before you buy
Get your Affirm purchasing power before—or while—you’re out shopping. Applying will not 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 a quick decision and complete your purchase.
Enable AutoPay for easy payments
Affirm will automatically debit/charge monthly payments using your preferred payment method. Available payment methods may vary depending on the payment plan.
How do I use Affirm?
Affirm - Frequently Asked Questions
Are there requirements to use Affirm?
Are there requirements to use Affirm?
Yes. You’ll need:
- To be the legal age of majority in the province or territory in which you reside
- To be a resident of Canada
- A Canadian bank account or Visa/Mastercard debit card (your debit card must have the Visa or Mastercard logo)
* Available payment methods may vary depending on the payment plan selected - An SMS-capable Canadian phone number and an email address
- To meet the minimum cart size required to use Affirm as a payment option at checkout
How do I sign up?
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?
Does Affirm do a credit check?
To learn more about Affirm and credit checks, please read this FAQ article on the Affirm help site.
What is Affirm’s interest rate?
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. What happened?
I was not able to complete a 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.
Which payment methods are accepted?
Which payment methods are accepted?
Affirm currently accepts pre-authorized debits from your Canadian bank account or a debit card. Available payment methods may vary depending on the payment plan selected. Please note that prepaid cards are not accepted.
How can I track my payments and access my Affirm account?
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.
What if I can’t make a payment
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?
Are there late or NSF fees?
Affirm does not charge any late or NSF fees. For more information on fees, please see this FAQ article on the Affirm help site.
How do returns work if I paid using Affirm
How do returns work if I paid using Affirm
Purchases made using Affirm are subject to Bell of Steel’s standard return policy. Any returns will be processed by Bells of Steel, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If the Bells of Steel 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 our return policy here.
How do I make my payments?
How do I make my payments?
Affirm will help you set up convenient, pre-authorized payments via your Canadian bank account, or a Visa/Mastercard debit card. Available payment methods may vary depending on the payment plan selected.
When will my payments begin? And what if I have pre-order products?
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.
I still have questions
I still have questions
For further information, please refer to the Affirm help center or get in touch here.
