PayBright is now Affirm! Buy now and pay over time at your favourite stores with Affirm with no hidden fees—not even late fees.

Applying for a PayBright (Now Affirm) payment plan is quick and easy — simply provide a few details about yourself and get a real-time decision so you can purchase what you love now, and pay over time

Enjoy the convenience of automatic biweekly or monthly payments with no hidden costs and no surprises. You’ll see your payment amount before you confirm your payment plan, so you’ll know exactly what you owe up front.

How it works


1. Select PayBright (Now Affirm) at checkout

Add your item to your cart as usual, and select PayBright (Now Affirm) as your payment method. You will then be redirected to PayBright (Now Affirm) to view payment plan details


2. Apply online

Apply with PayBright’s (Now Affirm) easy online application in under a minute and get an instant approval decision.


3. Enjoy your purchase

Once you complete your checkout with PayBright (Now Affirm), we’ll process and ship your order right away — no waiting necessary.

Frequently Asked Questions

1. Add items to your Cart as usual, and select PayBright (Now Affirm) as your payment method in Checkout.
2. Complete PayBright’s (Now Affirm) easy online application and get an instant approval decision.
3. Confirm your payment plan with PayBright (Now Affirm) and return to Wayfair to complete your order. We’ll process and ship your order as usual.

While PayBright (Now Affirm) makes furniture payment plans easy, they are not available for orders under $50 or over $15,000.

Yes. You’ll need:
1. To be 18+ years old
2. To be a resident of Canada
3. A Canadian bank account, or a Visa/Mastercard credit/debit card. Your debit card must have the Visa or Mastercard logo
4. An SMS-capable Canadian phone number
5. To meet the minimum cart size required to use PayBright (Now Affirm) as a payment option at checkout

PayBright (Now Affirm) will take convenient pre-authorized payments from either your Canadian bank account or your Visa/Mastercard debit/credit card. For bi-weekly interest-free plans, only debit/credit card payments are accepted.

If your basket is eligible for a PayBright (Now Affirm) payment plan, the option will be presented at checkout. After confirming your phone number, you’ll be sent a one-time SMS password to confirm your identity. You’ll then enter a few details for an instant decision. If you’re approved, you will set up your repayment method with PayBright (Now Affirm) and accept the terms of your payment plan.

To learn more about PayBright (Now Affirm) and credit checks, please read this FAQ article on the PayBright help site.

PayBright (Now Affirm) payment plans are applied to your entire order. To use PayBright (Now Affirm) for only part of your purchase, please complete two separate transactions with different payment methods.

Sure, at any time! There are no penalties or fees for early repayments. To pay off your current balance, please send us a message here.

Unfortunately, PayBright (Now Affirm) is not able to provide payment plans to every applicant. This could be due to the information on your credit file, or because PayBright (Now Affirm) was not able to verify your identity or your payment method.

After you have completed a transaction with PayBright (Now Affirm), you can access your account . If you have any questions or trouble logging in, please contact PayBright.

Purchases made using PayBright (Now Affirm) payment plans are subject to’s standard return policy. Any returns will be processed by, and your PayBright (Now Affirm) plan balance will be reduced or cancelled accordingly. If you have already made monthly payments, those will be refunded to you by PayBright (Now Affirm).