FINANCING
0% APR Financing Available OAC
Does Canadian Bedding offer financing options?
Yes and we have teamed up with Affirm to offer financing!
Canadian Bedding + Affirm
Pay Monthly — Sleep Now, Pay Later
Pay over time — 3, 6, 12, 24, 36 equal monthly payments for your purchase, depending on what you get approved for and your purchase amount.
- Payment plans from 0% APR interest
- No impact to credit score when you check eligibility
- Real-Time Decision
- Easy, automatic payments
Split up the cost with as low as 0% APR with Affirm
Split up the cost of your purchase into flexible monthly payments with as low as 0% APR. Just select Affirm at checkout.
What is Affirm?
Affirm (formerly known as PayBright) is one of Canada’s leading installment payment platforms, providing shoppers with payment 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 splitting up the cost over time.
Why use Affirm?
Prequalify before you buy
Get your Affirm purchasing power before—or while—you’re out shopping. Applying will not impact your credit score.
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 a quick decision and complete your purchase.
Easy payments
Affirm will automatically debit/charge monthly payments using your preferred payment method. Available payment methods may vary depending on the payment plan.
How do I use Affirm?
- Select Affirm at checkout - Shop at your favourite stores that offer Affirm and select Affirm as your payment option at checkout.
- Get set up - Use your mobile phone number and email to set up your Affirm plan within 60 seconds. Subject to eligibility check and approval.
- Enjoy your purchase! - Confirm your payment plan and you’re done! Enjoy your rest and sleep better while making flexible payments over time.
Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be 0–31.99% APR (where available and subject to provincial regulatory limitations). APR offered is based on creditworthiness and subject to an eligibility check. Not all customers will be eligible for 0% APR. 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. 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. Sample payment options may be: a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. For more information, please see Affirm.
FAQs
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 bank account or Visa/Mastercard debit card (your debit card must have the Visa or Mastercard logo)
- Available payment methods may vary depending on the payment plan selected
- An SMS-capable Canadian phone number and an email address
- 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 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 a quick decision. If you’re approved, you will have the option to 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 FAQ article on the Affirm help site.
What is Affirm’s interest rate?
For more information on interest or fees, please read this FAQ 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 debit card. Available payment methods may vary depending on the payment plan selected. Please note that prepaid cards are not accepted.
How can I track my payments and access my Affirm
account?
To view your account information and track upcoming payments, please login to the Affirm customer portal using the phone number you used to sign up with. Having trouble? Please get in touch with 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?
Affirm does not charge any late or NSF fees. 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 Canadian Bedding’s standard return policy. Any returns will be processed by Canadian Bedding, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If the Canadian Bedding 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 Canadian Bedding’s return policy here.
How do I make my payments?
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.
How much can I spend with Affirm?
Affirm payment plans are available for orders from $300 to $15,000.
Is there an annual fee?
Affirm does not charge annual fees. For more information on related fees, please see this helpful FAQ article on the Affirm help site.
I still have questions.
For further information, please refer to the Affirm help center or get in touch here.