Buy Now, Pay Over Time with Affirm
Choose flexible finance options at checkout—designed to help you get the mattress you want today and pay over time. Minimum purchase: $899 before tax.
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 at checkout, you can enjoy your purchase immediately while splitting up the cost over time. Learn more.
Why Use Affirm?
Pay Monthly
- Spread the cost of your purchase over 6–36 months
- Know exactly what you’ll pay — no hidden fees
- Pick a payment schedule that fits your budget
- Get a real-time decision with no impact on your credit score
- Available on purchases of $899+ before tax
Learn more about Pay Monthly at Affirm Canada.
Pay in 4
- Split your purchase into 4 interest-free payments
- No credit check or impact to your credit score
- Pay every two weeks for 6 weeks
- Ideal for smaller purchases with quick payoff
- Available on purchases of $899+ before tax
Learn more about Pay in 4 at Affirm Canada.
How Do I Use Affirm?
- Select Affirm at checkout where available.
- Get set up with your mobile number and email in about 60 seconds (subject to eligibility check and approval).
- Enjoy your purchase while making payments over time.
Example — Pay Monthly
| Purchase amount | $1,200 |
|---|---|
| Monthly payment | $102.73 |
| # of payments | 12 |
| Total repayment amount | $1,232.73 |
| Credit rate (APR) | 5% |
| Total cost of borrowing | $32.73 |
| Total interest charges | $32.73 |
Illustrative example only. Actual rates & terms shown at checkout.
Example — Pay in 4
| Purchase amount | $200 |
|---|---|
| Payment every 2 weeks | $50 |
| # of payments | 4 |
| Total repayment amount | $200 |
| Credit rate (APR) | 0% |
| Total cost of borrowing | $0 |
| Total interest charges | $0 |
Illustrative example only. Actual terms shown at checkout.
Pay Monthly — Frequently Asked Questions
Are there requirements to use Affirm?
You must be the legal age of majority and a Canadian resident with a Canadian bank account or Visa/Mastercard debit card (logo required), an SMS-capable Canadian phone number and email, and meet the minimum cart size. Our minimum: $899 before tax.
How do I sign up?
If your basket is eligible, the option appears at checkout. Confirm your phone (one-time SMS), enter a few details for a quick decision, set your repayment method, and accept the plan terms.
Does Affirm do a credit check?
See Affirm’s article on credit checks: helpcenter.affirm.ca.
What is the interest rate? Any fees?
Interest and any fees are shown up front before you complete your purchase. For details, see the fees/interest article on the Affirm help site.
Which payment methods are accepted?
Pre-authorized debits from your Canadian bank account or a Visa/Mastercard debit card. Available methods may vary by plan. Prepaid cards are not accepted.
How do I track my account & payments?
Log into the Affirm customer portal with the phone number you used to sign up and view upcoming payments.
Are there late or NSF fees?
Affirm does not charge late or NSF fees.
What if I can’t make a payment or I was declined?
Contact Affirm to review available options. If declined, please use another payment method.
How do returns work?
Purchases follow Mr. Liquidator’s return policy. Approved returns reduce/cancel/refund your Affirm balance. If a gift card refund is issued, you must continue repaying the plan in full. See our Return Policy.
Can I prepay my outstanding balance? Is there an annual fee?
You can prepay anytime with no penalties. Affirm does not charge annual fees.
Where can I find Affirm’s terms & conditions?
View terms/FAQs on the Affirm help site.
Pay in 4 — Frequently Asked Questions
Are there requirements to use Pay in 4?
Legal age of majority, Canadian resident, a Canadian Visa/Mastercard/Amex/Discover credit card or Visa/Mastercard debit card (logo required) that works online, an SMS-capable Canadian phone number, and the minimum cart size. Our minimum: $899 before tax.
How do I sign up?
If eligible, choose Affirm at checkout, confirm your phone via SMS, set your payment method, and accept the plan terms.
Does Pay in 4 impact my credit score?
No—using a Pay-in-4 plan won’t impact your credit score.
How are payments made & which methods are accepted?
Automatic, pre-authorized biweekly charges to your Canadian Visa/Mastercard debit/credit card. Visa and Mastercard credit or debit are accepted; prepaid cards are not.
Are there late or NSF fees?
Affirm does not charge late or NSF fees.
Can I prepay? What if I’m declined or need help?
You can prepay anytime with no penalties. If declined or you need help, contact Affirm through their website.
How do returns work?
Returns follow Mr. Liquidator’s policy and will adjust your Affirm balance. If a gift card refund is issued, you must continue making the installment payments in full. See our Return Policy.
Why don’t I see Affirm at checkout? How much can I spend? What if the order total changes?
If Affirm doesn’t appear but is offered, see the relevant Help Center article. Limits are merchant-specified. If your order total changes, your plan adjusts accordingly.
When will my payments begin? What about pre-orders?
The initial payment is due at purchase. Refer to your agreement for the full schedule.
To qualify for financing, minimum purchase value of cart must be $899 before taxes and fees.] Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be up to 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. 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. 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. Financing offers may vary from time to time and may be amended or cancelled at any time. See https://helpcenter.affirm.ca for more information.
To qualify for financing, minimum purchase value of cart must be $899 before taxes and fees.] Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be up to 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. 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. 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. Financing offers may vary from time to time and may be amended or cancelled at any time. See https://helpcenter.affirm.ca for more information.