On-Line Financing

JBs Power Center On-line Financing - Affirm

Buy now, pay monthly with Affirm

Break up the cost of your purchase into (biweekly/monthly) installments. Applying to Affirm will never impact your credit score.

Spread the cost of a purchase over $300 into easy monthly payments. Just select Affirm at checkout.

0-31.99% APR (where applicable and subject to provincial regulatory limitations). Subject to eligibility check and approval. A down payment may be required. See actual terms at checkout.

How It Works

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.

Frequent Questions About Affirm

Q

What Is Affirm?

AAffirm (formerly known as PayBright) is one of Canada’s leading installment payment platform, providing shoppers with buy now, pay later solutions at their favorite 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.
Q

How does Affirm work?

AAffirm (formerly known as PayBright) is one of Canada’s leading installment payment providers. When you use Affirm to pay at JBs Power Centre’s checkout, you can split your purchase into easy, automatic monthly payments. To use Affirm as your preferred payment choice at checkout:
  • 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).
  • Get set up: Use your mobile phone number and email to set up your Affirm plan within 60 seconds. Subject to credit approval.
  • Confirm your payment plan with Affirm. JBs Power Centre will process and ship your order as usual.
  • Make monthly payments to Affirm while you enjoy your purchase.
Q

Are there requirements to use Affirm?

AYes. You’ll need:
  • To be the legal age of majority in the province or territory in which you reside
  • Canadian permanent resident or citizen - 18 years of age (AB, MB, ON, PEI, QC, SK)/ 19 Years of age (BC, NB, NF, NT, NS, NU, YK)
  • 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
Q

How do I sign up?

AIf 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 an instant 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.
Q

Does Affirm do a credit check?

ATo learn more about Affirm and credit checks, please read this FAQ article on the Affirm help site.
Q

What is Affirm’s interest rate?

AFor more information on interest or fees, please read this FAQ article on the Affirm help site.
Q

Why don’t I see Affirm as a payment option at checkout?

AIf 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.
Q

I was not able to complete an Affirm transaction. What happened?

AUnfortunately, 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.
Q

What if I get declined from using Affirm?

APlease use an alternate payment method to complete your purchase.
Q

What if I haven’t received an email regarding my payment plan, or if I need additional help with my payment plan?

AFor help with payment information, or if you haven’t received your Affirm email confirmation, please contact the Affirm team via their website.
Q

Which payment methods are accepted?

AAffirm 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.
Q

How do I make my payments?

AAffirm will help you set up convenient, pre-authorized payments via your Canadian bank account, or a Visa/Mastercard credit/debit card. Available payment methods may vary depending on the payment plan selected.
Q

When will my payments begin? And what if I have pre-order products?

APlease refer to the payment plan agreement for all of your payment schedule information.
Q

Can I prepay my outstanding Affirm balance?

ASure, 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.
Q

Is there an annual fee?

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

How can I track my payments and access my Affirm account?

ATo 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.
Q

What if I can’t make a payment?

APlease 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.
Q

Are there late or NSF fees?

AAffirm does not charge any late or NSF fees. For more information on fees, please see this FAQ article on the Affirm help site.
Q

How do returns work if I paid using Affirm?

APurchases made using Affirm are subject to JBs Power Centre's standard return policy. Any returns will be processed by JBs Power Centre, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If JBs Power Centre 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 the JBs Power Centre return policy here.
Q

What if the order is canceled?

AWill I still be charged? No, you will not 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.
Q

How long does it take to reverse a pending Affirm authorization on my credit card?

AMost authorizations are reversed within 24 hours, however this is ultimately up to your financial institution, and may take 5-10 business days to be reflected on your credit card statement.
Q

Where can I find Affirm’s Terms and Conditions?

AYou can find them here.
Q

I still have questions.

AFor further information, please refer to the Affirm help center or get in touch here.

How Do I Use Affirm?

Select Affirm at Checkout

Select Affirm at checkout Shop at your favorite stores that offer Affirm and select us as your payment option at checkout.

Get Setup

Use your mobile phone number and email to set up your Affirm plan within 60 seconds. Subject to credit approval.

Enjoy Your Purchase!

Confirm your payment plan and then you’re done! Enjoy your purchase today and break up the cost.

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.