Affirm Frequently Asked Questions
How does Affirm work?
Affirm (formerly known as PayBright) is one of Canada’s leading installment payment providers. When you use Affirm to pay at JB's 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. JB's Power Centre will process and ship your order as usual.
- Make monthly payments to Affirm while you enjoy your purchase.
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
- 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
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 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.
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?
For more information on interest or fees, please read this FAQ article on the Affirm help site.
Why don’t I see Affirm as a payment option at checkout?
If 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.
I was not able to complete an 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.
What if I get declined from using Affirm?
Please use an alternate payment method to complete your purchase
What if I haven’t received an email regarding my payment plan, or if I need additional help with my payment plan?
For help with payment information, or if you haven’t received your Affirm email confirmation, please contact the Affirm team via their website.
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 do I make my payments?
Affirm 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.
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.
Can I prepay my outstanding Affirm balance?
Sure, 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.
Is there an annual fee?
Affirm does not charge annual fees. For more information on related fees, please see this helpful FAQ article on the Affirm help site.
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?
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?
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?
Purchases made using Affirm are subject to JB's Power Centre's standard return policy. Any returns will be processed by JB's Power Centre, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If JB's 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 JB's Power Centre return policy here.
What if the order is canceled?
Will 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.
How long does it take to reverse a pending Affirm authorization on my credit card?
Most 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.
Where can I find Affirm’s Terms and Conditions?
You can find them here.
I still have questions.
For further information, please refer to the Affirm help center or get in touch here
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