How do I pay later with Affirm?

1. Fill your cart

Shop at CSR and select Affirm at checkout. Then enter a few details for an instant decision. We do a soft credit check when you apply for any Affirm payment plan. This won’t impact your credit score.

2. Choose how to pay

Select your payment plan, then confirm your loan. We’ll never charge more than you see up front.

3. Enjoy your tools!

Confirm your payment plan and then you’re done! Enjoy your tools today and pay later. 

Who can use Affirm? 

You must be the age of majority of the province or territory you reside in, and must have a valid history of credit in Canada. 

Does Affirm charge interest and fees?

Fees - We don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.

Interest - Customers can get financing from Affirm at an interest rate from 9.95% up to 19.95% depending on their credit quality.

What does it mean to prequalify?

When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase. The final amount you qualify for is subject to eligibility criteria.

Can I use my PayBright login on Affirm?

PayBright is now Affirm! When you make your first purchase with Affirm, you will create a new account. If you have an existing PayBright loan, you can access your PayBright loan and account information through the PayBright portal.

How do returns work if I paid using Affim/PayBright?

Purchases made using Affirm/PayBright financing are subject to CSR Building Supplies standard return policy. Any returns will be processed by CSR, and your PayBright loan balance will be reduced or cancelled accordingly. If you have already made monthly payments, those will be refunded to you by Affirm/PayBright.