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Pay over time at checkout
Pay over time with Affirm
Choose Affirm when you check out and see your payment options before you commit. There is no separate application to fill out.
- 0–31.99% APR
- No late fees
- Decision at checkout
Best fit
Who Affirm is best for
Affirm suits owners who know what they want to buy and prefer to pay it off over time without a separate lender application.
Last-minute purchases
A replacement unit or an add-on you need now, with the payment plan chosen at checkout.
Owners who want transparent costs
Affirm states there are no late fees, hidden fees or compounding interest.
Single-item or smaller orders
Pick the equipment, then choose Pay in 4 or a longer monthly plan where offered.
Buying a full kitchen or opening a location? Allion or Econolease may fit better. They finance the whole package.
The process
How Affirm works
Everything happens at checkout.
1
Add equipment to your cart
Shop as usual and head to checkout.
2
Select Affirm
Choose Affirm as your payment method.
3
Check your options
Affirm runs an eligibility check and shows plans available for your purchase.
4
Pick a plan and pay
Pay monthly or every two weeks, depending on the plan you choose.
At a glance
The details that matter
Application
None. You apply at checkout
Rates
0–31.99% APR, subject to provincial limits. Not everyone qualifies for 0%
Fees
Affirm states no late fees, no hidden fees and no compounding interest
Payment schedule
Monthly or every two weeks, depending on the plan
Example
$800 over 12 months at 15% APR: 12 payments of $72.21, $866.48 total
Availability
Eligibility check required. Minimum purchase and down payment may apply, and options vary by province
Apply
Apply at checkout
There is nothing to submit ahead of time. Add your equipment to the cart and choose Affirm to see your plans.
Go to your cartQuestions about a plan: Affirm Help Centre at helpcenter.affirm.ca
Have this ready
- Equipment added to your cart
- Your details for the eligibility check
- A payment card for any down payment
Questions
Common questions
Is there an application form?
No. Affirm checks eligibility at checkout and shows the plans available for your purchase.
Does Affirm charge late fees?
Affirm states there are no late fees, hidden fees or compounding interest.
Will I get 0% APR?
Not always. Rates range from 0% to 31.99% APR, and 0% is not available to every customer.
Can I use it for a business purchase?
We accept Affirm at checkout. Confirm eligibility for business purchases with Affirm if you are unsure.
More ways to pay
Compare other financing options
Allion Financial
Lease-to-own with a $10 buyout.
View Allion →Econolease
Flexible leases and 12-month rent-try-buy.
View Econolease →Financing is provided by independent third parties and all offers are subject to approval. Rates, terms and amounts are set by the lender and can change. Phoenix Food Equipment does not provide credit and this is not tax or financial advice.