Affirm — Understanding payments over time

What is Affirm?

Affirm is a pay-over-time platform. For an eligible purchase, it lets you spread out payments according to a plan you accept at checkout.

GymDépôt.ca remains your retailer for the equipment and services you purchase. Financing options are offered by Affirm Canada Holdings Ltd., which determines your eligibility and the terms of your plan.

How it works

1. 01

   Make your choice

   Add your equipment to your cart. If Affirm is available for your purchase, select it at checkout.

2. 02

   Review your plan

   Provide the requested information. If approved, review the interest rate, payments, schedule, total cost and any down payment before accepting.

3. 03

   Manage your payments

   View your account and payment schedule in the Affirm app or online. You can set up automatic payments according to the options available with your plan.

Which plans may be available?

Depending on the purchase amount, your eligibility, the merchant and your province or territory, Affirm may offer monthly payments or four payments every two weeks.

Not all of these plans are necessarily available for your purchase at GymDépôt.ca. Only the options shown at checkout apply. A minimum purchase and a down payment may be required.

Interest and fees

A plan may include interest. A 0% rate is not guaranteed: the rate and total repayment amount are disclosed before you accept your plan.

According to its official information, Affirm does not charge late fees, annual fees, prepayment fees or hidden fees. This does not mean all plans are interest-free.

Eligibility: what to expect

Approval is not automatic. Affirm’s general requirements include:

• Being a Canadian resident and having reached the age of majority in your province or territory — 18 in Quebec.
• Having a Canadian phone number that can receive text messages and an email address.
• Having a repayment method accepted by Affirm for the plan offered.
• Making an eligible purchase that meets the applicable minimum amount.

Affirm may request additional information to verify your identity and eligibility.

Before you choose

Does checking eligibility affect my credit score?

According to Affirm, creating an account and checking your eligibility do not affect your credit score. This is not a guarantee that a loan will have no effect throughout its term: making a purchase with Affirm and your repayment history may have an impact. Review Affirm’s information before committing.

Why isn’t Affirm showing at checkout?

Options depend on factors including your purchase and eligibility. If Affirm is not offered, do not assume a particular plan is available. Visit Affirm’s Help Centre or contact GymDépôt.ca with a question about your order.

How do I track my balance and payments?

Sign in to your Affirm account using the phone number you provided when signing up. For questions about a payment, your schedule or your account, contact Affirm directly.

What happens if I return or cancel an order?

A purchase paid with Affirm is still subject to GymDépôt.ca’s return policy. A return must first be processed by the retailer. Affirm then adjusts the plan according to the applicable refund. Check your account and Affirm’s instructions before changing your payments.

Where can I get help?

For financing: visit Affirm’s official Help Centre.

For equipment or your order: call GymDépôt.ca at 450 704-4104.