Pay Over Time with Affirm
Easy monthly payments over 12, 18 or 24 months on orders of $1,000 or more.
(Subject to eligibility check and approval.)
Prequalify before you buy
Checking your eligibility won't affect your credit score.
Quick & convenient
Enter a few details at checkout to instantly see if you qualify.
Easy payments
Affirm will automatically debit/charge payments using your preferred method.
What is Affirm?
Affirm (formerly known as PayBright) is one of Canada's leading installment 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.
How it works
Select Affirm at checkout
Place an order of $1,000 or more (before taxes and delivery) and select Affirm as your payment method at checkout.
Get set up
Use your mobile phone number and email to set up your Affirm plan within 60 seconds. Subject to credit approval.
Enjoy your purchase
Confirm your payment plan and then you're done! Enjoy your patio today and break up the cost.
Financing plans are based on the value of your cart (before taxes and delivery).
Monthly payments: On orders of $1,000 or more, choose a 12, 18 or 24-month plan. Your rate will be 10–30% APR (where available and subject to provincial regulatory limitations). Your monthly payment amount, the interest you will pay, and the terms available depend on your personal credit profile. Conditions apply and all transactions are subject to approval by Affirm. See actual terms at checkout.
Click the Affirm link under the price on any product page to see estimated monthly payments for that item and check whether you qualify, without affecting your credit score.
To qualify for financing, the minimum purchase value of your cart must be $1,000 before taxes and fees. Payment options through Affirm Canada Holdings Ltd. ("Affirm"). Rates are between 10–30% APR (where available and subject to provincial regulatory limitations). APR offered is based on creditworthiness and subject to an eligibility check. 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. Estimated payment amounts exclude taxes and shipping fees. 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. For more information, please see affirm.com/en-ca/how-it-works or affirm.ca/help.
Frequently asked questions
You can find our list of frequently asked questions below, or visit the Affirm Help Center.
Are there requirements to use Affirm?
Yes. You'll need:
- To be a Canadian permanent resident or citizen, 18 years of age (AB, MB, ON, PEI, QC, SK) or 19 years of age (BC, NB, NL, NT, NS, NU, YT)
- A Canadian Visa, Mastercard, Amex or Discover credit card, or a Visa or Mastercard debit card (with the Visa/Mastercard logo) that can be used for online transactions
- An SMS-capable Canadian phone number
- A cart of $1,000 or more (before taxes and delivery)
How do I sign up?
If your cart is $1,000 or more, Affirm will be presented as a payment option 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 online at wickerpark.ca on orders of $1,000 or more, and in our Mississauga showroom.
How do I see what my payments would be?
Click the Affirm link under the price on any product page. It shows an estimated monthly payment for that item and lets you check whether you qualify without affecting your credit score.
Does Affirm do a credit check?
To learn more about Affirm and credit checks, please read this FAQ article on the Affirm help site.
How do I make payments?
At checkout, you can set up convenient, automatic pre-authorized payments that debit/charge your Canadian Visa/Mastercard debit/credit card.
Which payment methods are accepted?
Affirm will help you set up convenient, pre-authorized payments via your Canadian bank account, or a Visa/Mastercard debit card. Available payment methods may vary depending on the payment plan selected.
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 here.
Are there late or NSF fees?
Affirm does not charge any late or NSF fees, but late payments can affect your credit score. For more information on 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 WickerPark's standard return policy. Any returns will be processed by WickerPark, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If WickerPark has provided a refund to you via store credit, you must still continue repaying your instalment plan in full. Custom and made-to-order items are final sale. For information on returns, review our Shipping, Orders & Returns page.
What if I need additional help with my payment plan?
For help with your payment plan, or if you did not receive 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.
What if the order is cancelled? Will I still be charged?
No, you will not be charged. If you've already made a payment to Affirm and are owed a refund, this may take up to 3–10 business days to appear on your bank account or credit card statement. Read more on the refund process here.
Where can I find Affirm's Terms and Conditions?
You can find them here.
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 log in to the Affirm Customer Portal with the phone number you used to sign up.
I still have questions.
For further information, please refer to the Affirm help center or get in touch with us.