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

For purchases under $1000, 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! 

OR

Pay monthly

Spread the cost of a purchase over $1000 into 3 easy monthly payments interest-free, or 6 easy monthly payments. 0-30% APR (where applicable and subject to provincial regulatory limitations). Subject to eligibility check and approval. A down payment may be required. See actual terms at checkout.  

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Affirm will automatically debit payments from your chosen Visa or Mastercard debit or credit card, or can be withdrawn directly from your bank account for the monthly plans.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The remaining payments are charged to your debit or credit card, or can be withdrawn directly from your bank account for the monthly plans.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

FAQS

+

Where can I use Affirm?

You can use Affirm on lovethatbagetc.com. In-office purchases are not eligible for Affirm.

+

How do I sign up?

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.

+

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 credit/debit card. Your debit card must have the Visa or Mastercard logo
  • An SMS-capable Canadian phone number
+

Does Affirm do a credit check?

To learn more about Affirm and credit checks, please read this FAQ article on the Affirm help site.

+

How does Affirm work?

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:

  1. Add items to your shopping cart as usual.
  2. Choose Affirm at checkout and enter a few details.
  3. Your purchase will then be split into 4 equal interest-free payments (other plans available) - subject to credit approval.
+

Where can I find Affirm’s Terms and Conditions?

You can find them here.

+

Why don’t I see Affirm as a payment option at checkout?

If you don't see Affirm as a payment option, please see this helpful FAQ article on the Affirm help site.

 

+

How do I make my payments?

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.

+

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.

+

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.

+

What if I get declined from using Affirm?

Please use an alternate payment method to complete your purchase, such as the Love that Bag etc Layaway plan.

+

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 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.

+

How much can I spend with Affirm?

Affirm payment plans are available for orders of any value.

+

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.

+

If the order total changes, how does that affect my biweekly payments?

If your order total changes for any reason, your payment plan will be adjusted accordingly.

+

When will my payments begin?

Initial payment is due at the time of purchase. Please refer to the loan agreement for all of your payment schedule information.

+

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.

 

+

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 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.

+

How do returns work if I paid using Affirm?

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.

 

+

What if I need additional help with my payment plan?

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

+

I still have questions.

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.