PayBright is now Affirm!

***Affirm is only available on our website to Canadian residents at this time.***

Although our name's changing, our mission remains the same. We help you break up the cost into [biweekly/monthly] installments with no hidden fees, no surprises, and no sneaky fine print. Plus, checking your eligibility will never impact your credit score.

 

Buy now, pay later with Affirm

4 biweekly, interest-free payments can be automatically charged to your debit or credit card, with an initial payment on the day of purchase. It’s simple and quick!  

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.

Why use Affirm?

No impact on credit score
Using a Pay in 4 Affirm payment plan won’t impact your credit score.

Quick and convenient checkout
Place your order quickly and easily by choosing Affirm as your payment choice at checkout. Simply enter a few details to get an instant decision. Then, complete your purchase.

Easy payments
Turn on AutoPay and Affirm will automatically charge payments from your chosen payment method, interest-free. 

How do I use Affirm?

Shop: Browse [MERCHANT] and add your favourite finds to your shopping cart.

Select: At checkout, choose Affirm as your payment method.

Checkout: Complete your purchase and pay over time in 4 equal payments. Subject to credit approval.

Pay: The remaining 3 payments are charged to your debit or credit card every two weeks.

 

Payments Table
See guidelines for payments table in the Quebec Marketing Guidelines.

 

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
•  To be a resident of Canada
•  A Canadian Visa, Mastercard, Amex, or Discover credit card, or a Visa or Mastercard debit card (with the Visa/Mastercard logo), which can be used for online transactions
•  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 sign up?

If your basket is eligible for ’Pay in 4’ with Affirm, the option will be presented 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 on www.thegemboutique.ca

 

How do I make my payments?

At checkout, you can set up convenient, automatic pre-authorized payments that debited/charged your Canadian Visa/Mastercard debit/credit card.

 

Which payment methods are accepted?

Affirm currently accepts Visa and Mastercard credit or debit cards. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.

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.

 

How do returns work if I paid using Affirm?

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

 

 

*Please note that Affirm is an independent payment company and The Gem Boutique has no influence over whether your payment with Affirm is accepted or not. If you have any trouble with your order, please contact Affirm via their website contact form.

*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. Monthly payments include a processing fee of up to $6.95 (One to four Dollars) depending on the amount of your purchase. Please see terms for full details. *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 The Gem Boutique 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.