Financing

WHAT IS AFFIRM?

Affirm is Canada’s leading installment payment platform, providing shoppers with buy now, pay later solutions at their favourite retailers. By selecting Affirm as a payment method at checkout, customers can enjoy their purchase immediately, while spreading their payments over time. Available online only.


WHY USE Affirm?

No impact on credit score

Quick and convenient checkout

Easy payments

Using Affirm monthly payment plan won’t impact your credit score.

 Place your order quickly and easily by choosing Affirm as your payment choice at checkout. Simply enter a few details to complete your purchase. Affirm will automatically debit payments from your chosen Visa or Mastercard debit or credit card, interest-free.

HOW TO USE AFFIRM

FAQ

Are there requirements to use Affirm?
Yes. You'll need:
• To be the age of majority in your province
• 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
• To meet the minimum cart size required to use Affirm as a payment option at checkout.

 

How do I sign up? 
If your basket is eligible for ’monthly payment’ 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.

 

Where can I use Affirm?
You can use Affirm on BRIGHT LIGHT CHANDELIERS website.

 

How do I make my payments?
At checkout, you will set up a monthly convenient, automatic pre-authorized payments that are debited/charged your Canadian Visa/Mastercard debit/credit card.


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?
For more information on late or NSF fees, please see this FAQ ARTICLE on the Affirm help site.


How do returns work if I paid using PayBright?
Purchases made using PayBright are subject to

BRIGHT LIGHT CHANDELIERS  standard return policy. Any returns will be processed by BRIGHT LIGHT CHANDELIERS , and your PayBright balance will be reduced, cancelled, or refunded accordingly.  If BRIGHT LIGHT CHANDELIERS  has provided a refund to your via store credit, you must still continue repaying your installment plan in full. For information on returns, review BRIGHT LIGHT CHANDELIERS  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 PayBright via THEIR WEBSITE.


What if I get declined from using PayBright?
Please use an alternate payment method to complete your purchase.


Can I purchase a gift card when using PayBright?
Currently, it is not possible to use PayBright as a payment method when purchasing gift cards.


How much can I pay with PayBright?
PayBright is available for orders between $300 and $15,000 CAD.


How can I obtain a French copy of my contract?
Please reach out to PayBright directly to obtain a French copy of your contract using THIS FORM.


I still have questions.
For further information, please refer to PAYBRIGHT’S FAQ PAGE.

 

 

Some conditions apply and all transactions are subject to approval by PayBright. Your monthly payment amount and the interest you will pay depend on your personal credit profile. Monthly payments may include a processing fee depending on the amount of your purchase.

Example for a $3,000 purchase at 9.95% interest over 12 months

Purchase amount Monthly payment Number of payments Total interest charges Total processing fees Total cost of borrowing Total repayment amount Annual percentage rate (APR)
$3,000 $270.63 12 $164.13 $83.40 $247.53 $3,247.53 15.01%