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FAQ Affirm
What is Affirm?
Affirm (formerly known as PayBright) is one of Canada’s leading instalment payment platforms, 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, customers can enjoy their purchase immediately, while spreading their payments over time.
Why use Affirm?
Quick and convenient checkout
Place your order quickly and easily by choosing Affirm as your payment choice at checkout. Simply enter a few details to get an instant decision. Then, complete your purchase.
Easy payments
Turn on AutoPay and Affirm will automatically charge payments from your chosen payment method.
How do I use Affirm?
1. Shop
Browse DIVINUS and add your favourite finds to your shopping cart.
2. Select
At checkout, choose Affirm as your payment method.
3. Checkout
Complete your purchase and choose between 3, 6 or 12 month instalment payments. Subject to credit approval.
4. Pay
The remaining payments are charged to your debit card based on which instalment plan you chose.
Does Affirm do a credit check?
When you create an Affirm account, we perform a soft credit check. Don’t worry though—while it may appear on your credit report, a soft credit check doesn’t affect your credit score. To learn more about Affirm and credit checks, please read this FAQ article on the Affirm help site.
Which payment methods are accepted?
- 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
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.
What if I need to cancel my order?
If the order has been shipped
If you need to cancel your order and your order has already been shipped, you will need to pay the restocking fee. For doorstep delivery items, it is a flat rate fee of $75. For in home delivery items, it is a flat rate fee of $150. The restocking fee needs to be paid before we refund your payment. In the event of a cancellation, incurred interest payments are non-refundable.
If you need to cancel your order, please reach out to us at info@divinusfurniture.com .
If the order has not been shipped
If the order has not been shipped, 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.
What if I need additional help with my payment plan?
For help with your payment plan or if you haven’t received your confirmation email, please contact Affirm via their website.
What is Affirm’s interest rate?
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.
What if the order is canceled? Will I still be charged?
No, you won’t 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.
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.
Are there requirements to use Affirm?
Yes. You’ll need:
- 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 Visa or Mastercard debit card (with the Visa/Mastercard logo), which can be used for online transactions
- 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 sign up?
The option to pay in instalments with Affirm will be presented at checkout. After confirming your phone number, you’ll be sent an SMS message to confirm your identity. You’ll then set up your payment method with Affirm and accept the terms of your payment plan.
Where can I use Affirm?
You can use Affirm on our website or showrooms.
How do I make my payments?
At checkout, you can set up convenient, automatic pre-authorized payments using your Canadian Visa, Mastercard or debit card.
Is there a limit to how much I can spend on an Affirm order?
Affirm payment plans are available for orders from $200 to $15,000.
What if I have pre-order products?
For pre-orders, the first payment will be due when you place your order. Because our pre-order products have extended delivery times which are subject to change, your loan payments may be due before you receive your purchase. Please refer to the loan agreement for all of your payment schedule information. If you decide to cancel your pre-order product, incurred interest payments are non-refundable.
How do returns work if I paid using Affirm?
Purchases made using Affirm are subject to Divinus Furniture standard return policy. Any returns will be processed by Divinus Furniture, and your Affirm balance will be reduced, cancelled, or refunded accordingly. For information on returns, review Divinus Furniture return policy here.
What if I get declined from using Affirm?
Please use an alternate payment method to complete your purchase.
I still have questions.
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.
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