Help Centre

Affirm Payment Plan

Buy Now, Pay Later with Affirm

Camera Canada offers NO INTEREST on 3-month plans for orders under $1500 and 6 month plans on orders over $1499.

Make payments over 6, 12 or 24 months. As low as 9.95% APR interest.

Buying With affirm logo Is Easy

Applying for a Affirm payment plan is quick and easy — simply provide a few details about yourself and get a real-time decision so you can purchase what you love now, and pay over time.

Enjoy the convenience of automatic biweekly or monthly payments with no hidden costs and no surprises. You'll see your payment amount before you confirm your payment plan, so you'll know exactly what you owe up front.

How It Works

  • Select Affirm at checkout
    Add items to your cart as usual, select Affirm as your payment method and complete your order.

  • Apply online
    Receive an e-mail from our team after your order has been completed with a link to apply using Afffirm's easy online application and get an instant decision.

  • Enjoy your purchase
    Once you complete your application with Affirm, it will typically take 2 to 3 business days to process your order and ship as usual.


  • Prequalification Information

    With Affirm, you are able to pre-qualify for your order without affecting your credit score.

    To pre-qualify and learn the amount you may be approved for, simply add items to your cart.

    If the items in your cart are available to be purchased using an Affirm payment plan, an option will appear in your shopping cart along with a link to begin the pre-qualify application process.
    See Image

    Simply click the link and enter a few details to get a real-time decision.

  • How do I use Affirm?

    1. Add items to your cart as usual, select Affirm as your payment method and complete your order.
    2. Receive an e-mail from our team after your order has been completed with a link to apply using Affirm's easy online application and get an instant decision.
    3. Complete your application with Affirm. It will typically take 2 to 3 business days to process your order and ship as usual
  • If I have an issue with a product, can I return it?

    Purchases made using Affirm are subject to Camera Canada's standard return policy. Any returns will be processed by Camera Canada, and your Affirm balance will be reduced, cancelled, or refunded accordingly.
    If a refund is issued for products ordered using Affirm, a 5% processing fee will be applied to the refunded amount. If Camera Canada 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 Camera Canada's return policy here.

  • Are there any limits on how much I can spend with Affirm?

    While Affirm makes payment plans easy, they are not available for orders under $300.

  • What if I qualify for less than my total purchase?

    Camera Canada can work with you directly for any amount over and above your Affirm approved amount.
    Simply reach out and contact us to help you complete your order.

  • 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)/ 19 Years of age (BC, NB, NF, NT, NS, NU, YK)
    • 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 order amount of $300
  • How do I make payments?

    Affirm will take convenient pre-authorized payments from your Canadian bank account.

  • How do I apply for a Affirm plan?

    If your basket is eligible for a Affirm payment plan, 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.

  • Why am I being asked to apply again after I've prequalified?

    If you already have an active account and a valid spending limit with Camera Canada, and you wish to place a new order with an Affirm plan, simply choose Affirm as your preferred payment method at checkout on the Camera Canada website.
    You will then be prompted to fill out a similar application form to the one you initially completed to create the account. This allows Affirm to find your account!
    Please ensure that the details you enter are identical to your initial approved application.
    Rest assured that your credit file will not be checked again as long as your approval is still valid.

  • Can I use Affirm to pay for only part of my purchase?

    We can make this happen! When completing your order, please select "Contact me" as your payment type. We can work with you to divide your payments across multiple payment methods.

  • 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 Affirm a message here.

  • 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.
    Please note: while Camera Canada works with Affirm for payment plans, Camera Canada does NOT have access to your financial information.

  • How do I access my Affirm account?

    After you have completed a transaction with Affirm, you can access your account. If you have any questions or trouble logging in, please contact Affirm.

Note: 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

Still Have Questions

Camera Canada can help! Click here to contact us.
For further information about Affirm, please refer to Affirm’s FAQ page or contact them here.

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