FAQ
Affirm
Welcome to the new payment plan
from Love that Bag etc.
We’re making it even easier for you to buy what you love! Partnering with Affirm, this new offering will allow you to select one of three payment plan options that best suits your needs. After your initial payment, the items will be sent to you right away! Now you can shop with confidence knowing that returns will be accepted on payment plan purchases. What could be easier?
Spread out your payments
With Affirm
Pay in 4
Pay monthly
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?
Instant decision
Get approved within minutes, with no credit check for 'Pay in 4 plan'. Fill out a few small details for approval on longer term plans (credit checks may apply).
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
Affirm will automatically debit payments from your chosen Visa or Mastercard debit or credit card, or can be withdrawn directly from your bank account for the monthly plans.
How do I use Affirm?
01.
Shop
Browse Love that Bag etc and add your favourite finds to your shopping cart.
02.
Select
When you reach checkout, choose Affirm as your payment method.
03.
Checkout
Complete your purchase with your first payment, and pay the rest later in equal payments according to your selected payment plan.
04.
Pay
The remaining payments are charged to your debit or credit card, or can be withdrawn directly from your bank account for the monthly plans.
Payment TablE
Pay in 4 Payment Schedule
| Purchase Amount | Bi-Weekly Payments | Number of Payments | Total Interest Charges | Total Processing Fees | Total Cost of Borrowing | Total Repayment Amount | Credit Rate |
|---|---|---|---|---|---|---|---|
| $200.00 | $50.00 | 4 | $0.00 | $0.00 | $0.00 | $200.00 | 0% |
Pay in 3 Months Payment Schedule
| Purchase Amount | Monthly Payments | Number of Payments | Total Interest Charges | Total Processing Fees | Total Cost of Borrowing | Total Repayment Amount | Credit Rate |
|---|---|---|---|---|---|---|---|
| $3000.00 | $1000.00 | 3 | $0.00 | $0.00 | $0.00 | $3000.00 | 0% |
Pay in 6 Months Payment Schedule
| Purchase Amount | Monthly Payments | Number of Payments | Total Interest Charges | Total Processing Fees | Total Cost of Borrowing | Total Repayment Amount | Credit Rate |
|---|---|---|---|---|---|---|---|
| $6000.00 | $1000.00 + interest | 6 | Variable | $0.00 | Variable | $6000.00 + interest | Variable |
ABOUT AFFIRM
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You can use Affirm on lovethatbagetc.com. In-office purchases are not eligible for Affirm.
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If your basket is eligible for 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.
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Yes. You’ll need:
- To be a Canadian permanent resident or citizen
- To be the legal age of majority in the province or territory in which you reside - 18 years of age (AB, MB, ON, PEI, QC, SK),
19 Years of age (BC, NB, NF, NT, NS, NU, YK) - A Canadian Visa/Mastercard credit/debit card. Your debit card must have the Visa or Mastercard logo
- An SMS-capable Canadian phone number
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To learn more about Affirm and credit checks, please read this FAQ article on the Affirm help site.
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Affirm (formerly known as PayBright) is Canada’s leading installment payment provider. When you use Affirm to pay at Love that Bag etc’s checkout, you can split your purchase into 4 biweekly interest-free payments (other payment plans available at checkout).
To use Affirm as your preferred payment choice at checkout:
- Add items to your shopping cart as usual.
- Choose Affirm at checkout and enter a few details.
- Your purchase will then be split into 4 equal interest-free payments (other plans available) - subject to credit approval.
More information here.
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You can find them here.
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If you don't see Affirm as a payment option, please click here to access the Affirm help site.
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Please use an alternate payment method to complete your purchase, such as the Love that Bag etc Layaway plan.
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Affirm payment plans are available for orders of any value.
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Affirm does not charge annual fees. For more information on related fees, please see this helpful FAQ article on the Affirm help site.
PAYMENTS
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At checkout, you will set up 4 convenient, automatic pre-authorized payments that are debited/charged to your Canadian Visa/Mastercard debit/credit card for the 'Pay in 4' plan. For the monthly plans, you may also link directly to your bank account for monthly withdrawals.
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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.
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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.
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Affirm does not charge any late or NSF fees. For more information on fees, please see this FAQ article on the Affirm help site.
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Sure, at any time! There are no penalties or fees for early repayments. To pay off your current balance, please login to the Affirm Customer Portal with the phone number you used to sign up with. If you have any additional questions about your account or payment schedule, send us a message here.
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Initial payment is due at the time of purchase. Please refer to the loan agreement for all of your payment schedule information.
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For help with payment information, or if you haven’t received your Affirm email confirmation, please contact the Affirm team via their website.
Orders & Returns
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If your order total changes for any reason, your payment plan will be adjusted accordingly.
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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 5-10 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 through this contact form.
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Purchases made using Affirm are subject to Love that Bag etc’s standard return policy. Any returns will be processed by Love that Bag etc, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If Love that Bag etc 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 Love that Bag etc’s return policy here.
Additional help
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For help with your payment plan or if you haven’t received your confirmation email, please contact Affirm via their website.
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For further information, please refer to the Affirm help center or get in touch here.
*Please note that Affirm is an independent payment company and Love that Bag etc 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.