How Financing Works

1.) Select the Affirm option at Checkout

Add your tools to your cart and select the Affirm payment option. You'll automatically get redirected to Affirm's application to apply and view your payment plan details.

2.) Apply online

Complete Affirm's simple online application. The form and approval takes less than a minute.

3.) Complete your purchase

After you confirm your payment plan and complete your purchase, your order will be processed and shipped to your front door. Easy.

Frequently Asked Questions

How do I use Affirm?

1. Add items to your Cart as usual, and select Affirm as your payment method in Checkout.
2. Complete Affirm's easy online application and get a decision within seconds.
3. Confirm your payment plan with Affirm and return to Toolriver to complete your order. We'll process and ship your order as usual.
4. Make small monthly payments to Affirm while you put your new tools to work and enjoy them.

How do I make my monthly payments?

Affirm will help set up as convenient pre-authorized payments from your chequing account. In some cases, you can also set up automatic payments from your Visa Debit or Mastercard

What is Affirm's interest rate?

Customers can get financing from Affirm at an interest rate of ARP 0% up to 31.99% depending on their credit quality.

Who can apply for a Affirm payment plan?

Affirm payment plans are available to Canadian residents above the age of majority, which is 18 or 19, depending on your province.

Can I use Affirm to pay for only part of my purchase?

Affirm financing is applied to your entire order. To use Affirm for only part of your purchase, please complete two separate transactions with different payment methods.

Can I prepay my outstanding Affirm balance?

Yes, all Affirm payment plans can be prepaid at any time without penalty.

I was not able to complete a Affirm transaction. What might have happened?

Unfortunately, Affirm is not able to provide payment plans to every applicant. This could be due to the information on your credit file, or because Affirm was not able to verify your identity or your payment method. For further information, please see how Affirm works by clicking Here.

How do I access my Affirm account?

After you have completed a transaction with Affirm, you can access your account by clicking here. If you have any questions or trouble logging in, please see Affirm's Help Center.

How do returns work if I paid using Affirm?

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

*Your monthly payment amount, the interest you will pay, and the loan terms available depend on your personal credit profile and the financed amount. Some conditions apply and all transactions are subject to approval by Affirm. Estimated monthly payment amount excludes taxes, shipping, and other fees.

Affirm is a third-party financing provider that you can use as an online payment option at Toolriver. Split your purchase into stress-free, automatic installments. Complete their quick and easy online application to instantly view your financing options, so you can order the tools you need, today.