Pay over time with
Four interest-free bi-monthly payments are automatically charged to your Visa or Mastercard debit or credit card. It's fast and easy!
What is Affirm?
Affirm is Canada's leading installment payment platform. It offers consumers instant decision payment options with their favorite retailers, both in-store and online.
By selecting Affirm at checkout, customers can enjoy their purchase right away while spreading the cost over four simple payments.
Why use Affirm?
No impact on your credit score
The Affirm "Pay in 4" plan will not affect your credit rating.
Fast, convenient transaction
Place your order quickly and easily by choosing Affirm as your payment method at checkout. Just enter a few details and get an instant decision.
Simple, automatic payments
Affirm will automatically charge your selected Visa or Mastercard debit or credit card. No interest fees.
How can I use Affirm?
Shop: Browse the PAOMA site and add items to your cart.
Select: Choose Affirm at checkout.
Checkout: Complete your purchase and pay in four equal payments.
Pay: The remaining three payments will be charged every two weeks.
Example of a $200 purchase with Affirm
| Purchase amount | Bimonthly payment | Number of payments | Interest expense | Processing fees | Total cost of borrowings | Total amount to be repaid | Lending rates |
|---|---|---|---|---|---|---|---|
| 200 $ | 50 $ | 4 | 0 $ | 0 $ | 0 $ | 200 $ | 0 % |
FAQ
Are there any requirements for using Affirm?
Yes, the requirements are as follows:
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Be a permanent resident or Canadian citizen.
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Must be 18 or over (AB, MB, ON, PEI, QC, SK) / 19 or over (BC, NB, NL, NT, NS, NU, YK).
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A Canadian Visa or Mastercard credit or debit card (debit card must bear the Visa or Mastercard logo).
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Have a Canadian phone number that can receive SMS messages.
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Respect the minimum purchase amount.
How do I register?
If your basket is eligible for the "Pay in 4" plan (purchases between $35 and $299), you will be presented with the option at checkout. After validating your phone number, you'll receive an SMS to confirm your identity. You will then be able to configure your payment method and accept the terms and conditions of the plan.
The monthly payment plan is available for purchases between $300 and $15,000.
👉 Click here to find out more about the different plans.
Where can I use Affirm?
You can use Affirm for your purchases on paoma.ca.
Please note that Affirm is not available from our distributors or other sites reselling our products.
Does Affirm perform a credit check?
The "Pay in 4" plan has no impact on your credit rating.
How will my payments be processed?
When you place your order, you set up four automatic pre-authorized payments to be charged to your Canadian Visa or Mastercard.
What payment methods are accepted?
Affirm accepts Visa and Mastercard credit and debit cards. Debit cards must bear the Visa or Mastercard logo.
⚠️ Prepaid cards are not accepted.
How are returns handled?
Returns are subject to PAOMA's return policy. In the event of a return, your Affirm balance will be adjusted, cancelled or refunded. If the refund is issued as a gift card, Affirm payments remain due.
👉 See our returns policy.
Need help with your Affirm plan?
If you have any questions or have not received your confirmation, please visit the Affirm website for support.
What if my Affirm transaction is rejected?
Use another payment method to complete your order.
When will my payments be withdrawn?
Withdrawal dates are indicated in the terms and conditions of your Affirm plan. This includes pre-orders.
Any other questions?
👉 See the Affirm Help Center