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 as a payment method at checkout, customers can enjoy their purchase immediately while splitting up the cost over time.

Why Use Affirm? 

Easy to apply: Checking your eligibility is quick, simple and won’t impact your credit score.

No hidden fees: Affirm doesn’t charge late fees or hidden fees of any kind, ever.

Transparent: Affirm tells you the total amount you’ll pay up front. The number will never go up.

Products Available with Affirm

Affirm is currently available as a payment option for select products purchased through the Sun Peaks Resort online store, including:

Affirm is not available for in-person purchases at the resort.

Affirm Disclosure

*Rates from 0-31.99% APR (subject to provincial regulatory limitations). Payment options through Affirm Canada Holdings Ltd. (“Affirm”) are subject to an eligibility check and depend on purchase amount, payment terms, vary by merchant, and may not be available in all provinces/territories. Not all customers will be eligible for 0% APR. Minimum purchase and down payment may be required. For example, an $800 purchase could be 12 monthly payments of $72.21 at 15% APR for total repayment of $866.48 (credit charges of $66.48), or a $200 purchase could be 4 interest-free payments of $50 every 2 weeks. 

Visit helpcenter.affirm.ca for more information. 

Affirm Frequently Asked Questions

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, NL, NT, NS, NU, YK)
  • To be a resident of Canada
  • 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 purchase is eligible for payment 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 a real-time 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?

When creating an Affirm account and seeing if you qualify, a soft credit check is performed. Soft credit checks will not affect your credit rating

Are there late, NSF or other fees?

Affirm does not charge late, NSF, annual, pre-payment or any other hidden fees.

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 can I track my payments and access my Affirm account?

To access your account information, make payments and view your payment schedule, login to the Affirm app or Affirm customer portal using the phone number you used to sign up with. Having trouble? Please get in touch with the Affirm team.

I still have questions.

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

How do returns work if I paid using Affirm?

Purchases made using Affirm are subject to the merchant’s standard return policy. Any returns will be processed by the merchant and your Affirm balance will be reduced, cancelled, or refunded accordingly. If the merchant 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 merchant’s return policy.

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.

Where can I find Affirm’s terms and conditions?

You can find them here. 

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