Buy Now, Pay Later with Affirm

Frequently Asked Questions

• 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 bank account, or a Visa/Mastercard credit/debit card. Your debit card must have the Visa or Mastercard logo
  • 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 apply?

  If your basket is eligible for monthly payments 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 an instant decision. If you’re approved, you will set up your repayment method with Affirm and accept the terms of your payment plan.

• Does Affirm do a credit check?

  To learn more about Affirm and credit checks, please read this helpful FAQ article on the Affirm help site.

• What is Affirm’s interest rate?

  For more information on interest or fees, please see this helpful article on the Affirm help site.

• I was not able to complete a 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.

• Which payment methods are accepted?

  Affirm currently accepts pre-authorized debits from your Canadian bank account, or a Visa/Mastercard credit/debit card. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.

• How can I track my payments and access my Affirm account?

  Your login details to access your Affirm account are in the confirmation email sent to you when you first completed your transaction. Can’t find the details? Please contact the Affirm team.

• 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.

• Are there late or NSF fees?

  For more information on late or NSF fees, please see this FAQ article on the Affirm help site.

• How do returns work if I paid using Affirm?

  Purchases made using Affirm are subject to Tempur-Pedic’s standard return policy. Any returns will be processed by Tempur-Pedic and your Affirm balance will be reduced, cancelled or refunded accordingly. If Tempur-Pedic has provided a refund to you via a gift card, you must still continue repaying your instalment plan in full. For information on returns, review Tempur-Pedic’s return policy here.

  
  

• I still have questions.

  For further information, please refer to Affirm’s FAQ page.