Affirm (formerly known as PayBright) is one of Canada’s leading installment payment provider. When you use Affirm to pay at Terrera’s checkout, you can split your purchase into 4 biweekly interest-free payments.

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 for an instant decision.

- Confirm your payment plan and complete your purchase. Make 4 equal biweekly interest-free payments. Subject to credit approval.

Yes. You'll need:

- 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)

- 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

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.

You can use Affirm on Terrera.ca

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

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

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 https://www.affirm.com/en-ca/how-it-works.

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.

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.

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.

Affirm does not charge any late or NSF fees. For more information on fees, please see this FAQ article on the Affirm help site.

Purchases made using Affirm are subject to Terrera’s standard return policy. Any returns will be processed by Terrera, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If Terrera 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 Terrera’s return policy here in this link.

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

Please use an alternate payment method to complete your purchase.

You can find them here.

For further information, please refer to the Affirm help center or get in touch here.