Affirm

Shop online for what you need now and pay later in equal instalments.

WHAT IS Affirm?

Affirm is Canada’s leading installment payment platform, 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.

WHY CHOOSE Affirm?

• Prequalify before you buy: Get your Affirm spending limit while you’re still shopping.
• Quick and convenient checkout: Place your order quickly and easily by choosing Affirm as your payment method at checkout. Enter a few details to get an instant decision and complete your purchase.
• Easy payments: Affirm will automatically debit/charge monthly payments using your preferred method of payment. *
  • *Available payment methods may vary depending on the payment plan selected.

HOW DOES IT WORK?

Affirm is one of Canada’s leading instalment payment providers. When you use Affirm to pay at Only Fencing’s checkout, you can split your purchase into easy, automatic monthly payments.

To use Affirm as your preferred payment choice at checkout:

1. Add items to your shopping cart as usual and select Affirm as your payment method at checkout for orders between $300 and $15,000 (including taxes and shipping).
2. Get set up: Use your mobile phone number to set up your Affirm plan within 60 seconds.
3. Confirm your payment plan with Affirm. Only Fencing will process and ship your order as usual.
4. Make 3 to 36 monthly payments to Affirm while you enjoy your purchase.

ARE THERE REQUIREMENTS TO USE AFFIRM?

Yes. You’ll need:

• To be the age of majority in your province
• To be a resident of Canada
• Depending on the plan you select, options include 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.

HOW DO I MAKE MY PAYMENTS?

At checkout, you will set up convenient, pre-authorized monthly payments that will be debited/charged to your Canadian bank account.

WHERE CAN I USE MY AFFIRM SPENDING LIMIT?

You can use Affirm on Only Fencing.ca. The limit can be used across the merchant network and will be updated based on your repayment history and merchant type.

IS THERE AN ANNUAL FEE?

For more information on related fees, please see these helpful FAQ articles on the Affirm help site.

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.

ARE THERE LATE OR NSF FEES?

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

WHAT IF I HAVEN’T RECEIVED AN EMAIL REGARDING MY PAYMENT PLAN, OR IF I NEED ADDITIONAL HELP WITH MY PAYMENT PLAN?

For help with payment information, or if you haven’t received your Affirm email confirmation, please contact the Affirm team via their website.

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 send us a message here.

WHY DON’T I SEE AFFIRM AS A PAYMENT OPTION AT CHECKOUT?

If your retailer offers Affirm, but you don’t see it as a payment option, please see this helpful FAQ article on the Affirm help site.

WHAT IF I GET DECLINED FROM USING AFFIRM?

Please use an alternate payment method to complete your purchase.

WHEN WILL MY PAYMENTS BEGIN? AND WHAT IF I HAVE PRE-PRDER PRODUCTS?

Please refer to the payment plan agreement for all of your payment schedule information.

HOW LONG DOES IT TAKE TO REVERSE A PENDING AFFIRM AUTHORIZATION ON MY CREDIT CARD?

Most authorizations are reversed within 24 hours; however this is ultimately up to your financial institution, and may take 5-10 business days to be reflected on your credit card statement.

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 THE ORDER IS CANCELED? 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. If you have any questions about the refund process, please reach out to the Affirm team or use the steps listed on the Affirm site here.

WHAT IF I CAN’T MAKE A PAYMENT?

Please reach out to the Affirm Help Center and they will be happy to look into the options available. Choose your topic and you will be directed to the correct form and phone number.

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.

HOW DO RETURNS WORK IF PAID USING AFFIRM?

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

HOW DO I MAKE MONTHLY PAYMENTS?

Affirm will take convenient pre-authorized payments from your selected payment method.

HOW MUCH CAN I SPEND WITH AFFIRM?

Affirm payment plans are available for orders from $300 to $15,000.

WHAT IS AFFIRM’S INTEREST RATE?

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

WHERE CAN I FIND AFFIRM’S TERMS AND CONDITIONS?

You can find them here.

I STILL HAVE QUESTIONS. WHAT DO I CONTACT?

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

FINE PRINT

If you finance your purchase with Affirm and one or more items in your order has an extended ship date, your loan payment(s), including interest, may be due before you receive your purchase. Please note that you may not receive a rebate of any interest that may have already accrued on an amount that later gets refunded.

*Monthly payment amounts, interest, and loan terms may depend on your personal credit profile. Some conditions apply. All transactions are subject to approval by Affirm. Monthly payments may include a processing fee of up to $6.95. Loan offers may vary for customers in the province of Quebec.

*Certain conditions apply, and all transactions are subject to approval by Affirm. The amount of your monthly payment and the interest you will pay depend on your credit report.

*Your monthly payment amount, the interest you will pay, and the loan terms available depend on your personal credit profile. Conditions apply and all transactions are subject to approval by Affirm.

*Please note that Affirm is an independent payment company and Only Fencing’s has no influence over whether your payment with Affirm is accepted or not. If you have any trouble with your order, please contact Affirm Customer Service.

*If you finance your purchase with Affirm and one or more items in your order has an extended ship date, your loan payment(s), including interest, may be due before you receive your purchase. Please note that you may not receive a rebate of any interest that may have already accrued on an amount that later gets refunded.