Affirm Pay in 4 FAQs

Why use Affirm?

  • No impact on credit score
    Using a Pay in 4 Affirm payment plan won’t impact your credit score.
  • Quick and convenient checkout
    Place your order quickly and easily by choosing Affirm as your payment choice at checkout. Simply enter a few details to complete your purchase.
  • Easy payments
    Affirm will automatically debit payments from your chosen Visa or Mastercard debit or credit card, interest-free.

    How do I use Affirm?

    • Shop: Browse All You Need Music and add your favourite finds to your shopping cart.
    • Select: When you reach checkout, choose Affirm as your payment method.
    • Checkout: Complete your purchase and pay later in 4 equal payments.
    • Pay: The remaining 3 payments are charged to your debit or credit card every two weeks.

    Are there requirements to use Affirm?

    Yes. You’ll need:
    • To be 18 years of age (AB, MB, ON, PEI, QC, SK)/ 19 Years of age (BC, NB, NF, NT, NS, NU, YK)
    • To be a Canadian permanent resident or citizen
    • 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 ’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.

    Does Affirm do a credit check?
    Using Pay in 4 will not affect your credit score.

    How do I make my payments?
    At checkout, you will set up 4 convenient, automatic pre-authorized payments that 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 HERE.

    How do returns work if I paid using Affirm?
    Purchases made using Affirm are subject to All You Need Music’s standard return policy. Any returns will be processed by All You Need Music, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If All You Need Music 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 All You Need Music’s return policy .

    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 Affirm via their website.

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

    I still have questions.
    For further information, please refer to Affirm help Center.