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 Sundays 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. 

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: 18 years of age (AB, MB, ON, PEI, QC, SK)/ 19 Years of age (BC, NB, NF, NT, NS, NU, YK)
  • To be a Canadian permanent resident or citizen.
  • 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.

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.

How do I make my payments?

At checkout, you can set up convenient, automatic pre-authorized payments using your Canadian Visa, Mastercard ordebit card.

Which payment methods are accepted?

Affirm currently accepts Debit cards. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.

Is there a minimum to how much I can spend on an Affirm order?

Affirm payment plans are available for orders from $200.

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 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.

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 1-800-786-0625. 

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.

How do returns work if I paid using Affirm?

Purchases made using Affirm are subject to Sundays’ standard return policy. Any returns will be processed by Sundays, and your Affirm balance will be reduced, cancelled, or refunded accordingly. For information on returns, review Sundays’ return policy here

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 if I get declined from using Affirm?

Please use an alternate payment method to complete your purchase.

I still have questions.

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

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