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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 all the items you want now, and pay later.


Enjoy the convenience of automatic 12 equal monthly payments. You will see your monthly payment amount before you confirm your payment or financing plan. So, you will know exactly what your monthly payment will be.


Select Affirm at Checkout

Add your item to your cart as usual and choose Affirm as your payment method. You will then be redirected to Affirm to view payment plan details.

Apply Online here

Apply with Affirm's easy online application in under a minute and get an instant loan decision.

Enjoy Your Purchase

Once you complete your checkout with Affirm, FurnitreMattressDirect will process your order immediately.


Financing Affirm


How do I use Affirm?
1. Add items to your shopping cart as usual, then select Affirm as your payment method in Checkout.

2. After clicking “Complete Order”, you will be redirected to complete Affirm's easy online application and get an instant decision.

3. Confirm your payment plan with Affirm and return to FurnitureMattresDirect to complete your order. We'll process and ship your order as usual.

4. Make 12 equal monthly payments to Affirm.

Who can apply for a Affirm payment plan?
Affirm payment plans are available to Canadian residents or citizen - 18 years of age (AB, MB, ON, PEI, QC, SK)/ 19 Years of age (BC, NB, NF, NT, NS, NU, YK).

Which terms are included with this payment plan?
This payment plan is designed with 12 equal monthly payments. The interest rate applied may vary depending on an individual’s creditworthiness. The specific interest rate for each customer is determined during the application process with Affirm and is subject to their eligibility criteria. Therefore, the interest rate for the payment plan may differ from person to person based on their credit assessment.

How do I know what my monthly payment will be?
You will see your monthly payment amount before you confirm your payment or financing plan. So, you will know exactly what you will be your monthly payment.

How do I make my payments?
For e-commerce transactions: your payments will be set up as convenient pre-authorized payments on your credit card.

For in-store transactions: your payments will be pre-authorized payments from either your chequing account or credit card.

Can I prepay my outstanding balance?
Yes! Affirm payment plans are repayable in full or in part at any time, with no penalty. To make an extra payment, you can log in to your online account.

How quickly do I need to use my approved credit?
Your credit approval can be used for up to 365 days. You can fund multiple purchases over time with your credit approval. After 365 days, we require a new application.

How do I complete the transaction?
For e-commerce transactions: your entire transaction is completed as part of the checkout process on the FurnitureMattresDirect website.

To complete in-store transactions: please bring a piece of photo ID when you visit FurnitureMattresDirect location. Examples include a Drivers Licence, Passport, Permanent Resident Card, or government-issued ID. Please note that we are not permitted to accept health cards as photo ID in Ontario, Manitoba, or PEI.

What if I want to return my purchase or get a refund?
Purchases made using Affirm are subject to FurnitureMattresDirect's refund and exchange policy. Any returns will be processed by FurnitureMattresDirect, then Affirm will process a refund to you and Affirm loan balance will be reduced or cancelled accordingly.

Is my personal information secure with Affirm?
YES, protecting your personal information is very important to Affirm. We encrypt all sensitive data. We also maintain physical, electronic, and other safeguards to protect your information. We do not sell your information to anyone. You can read our detailed Privacy Statement on our website.

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


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