Pay over time with
Four interest-free, bi-monthly payments The funds are automatically charged to your Visa or Mastercard debit or credit card. It's quick and easy!
What is Affirm?
Affirm is Canada's largest installment payment platform. It offers consumers Financing solutions with instant decision at their preferred retailers, in-store and online.
By selecting Affirm as their payment method at checkout, customers can immediately enjoy their purchase while spreading payments over several installments.
Why use Affirm?
No impact on credit rating
The Affirm financing plan “Pay in 4” has no impact on your credit score.
Quick and convenient transaction
Place your order quickly and easily by choosing Affirm as your payment method at checkout. Simply enter a few details to get a instant decision.
Simple and automatic payments
Affirm will automatically debit payments from your chosen Visa or Mastercard debit or credit card, with no interest charges.
How can I use Affirm?
Shop: Browse the PAOMA website and add your finds to your cart.
Select: When you go to checkout, choose Affirm as your payment method.
Proceed to checkout: Make your purchase and pay later in four equal installments.
Pay: The three remaining payments will be automatically debited every two weeks.
Example of a $200 purchase with Affirm
| Purchase amount | bi-monthly payment | Number of payments | Interest charges | Processing fees | Total cost of borrowing | Total amount to be repaid | Credit rates |
|---|---|---|---|---|---|---|---|
| $200 | $50 | 4 | $0 | $0 | $0 | $200 | 0% |
FAQ
Are there any requirements to meet in order to use 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 years of age or older (AB, MB, ON, PEI, QC, SK)/19 years of age or older (BC, NB, NL, NT, NS, NU, YK).
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Hold a Canadian Visa or Mastercard credit or debit card (the 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 required.
How can I register?
If your cart qualifies for the "Pay in 4" plan (purchases between $35 and $299), the option will be presented to you at checkout. After verifying your phone number, you will receive a text message to confirm your identity. You can then set up your payment method and accept the plan's terms and conditions.
The monthly payment plan is offered for purchases between $300 and $15,000.
👉 Click here to learn 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 on other sites reselling our products.
Does Affirm conduct a credit check?
The "Pay in 4" plan has no impact on your credit score.
How will my payments be made?
When placing your order, you will set up four automatic pre-authorized payments, which will 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 display the Visa or Mastercard logo.
⚠️ Prepaid cards are not accepted.
How are returns processed?
Returns are subject to PAOMA's return policy. In the event of a return, your Affirm balance will be adjusted, canceled, or refunded. If the refund is issued as a gift card, any outstanding Affirm payments remain due.
👉 Check out our return 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 declined?
Use a different payment method to complete your order.
When will my payments be debited?
The payment dates are indicated in the terms and conditions of your Affirm plan. This includes pre-orders.
Any other questions?
👉 Consult the Affirm Help Center