Affirm acquired PayBright, one of Canada’s largest BNPL providers, and has been transitioning Canadian customers toward the Affirm brand and product set.
Credit checks for Canadian users
Similar to its US operations, Affirm/PayBright’s Canadian products can involve either a soft check for smaller purchases or a more formal credit check for larger financing amounts. As always, check the specific disclosure shown at checkout for the loan you’re being offered.
Reporting to Canadian bureaus
- Larger installment loans are more likely to be reported to Equifax Canada or TransUnion Canada than short pay-in-4 purchases
- Missed payments can be referred to collections, which is the most consistent way any BNPL provider affects a Canadian credit file
- As the PayBright-to-Affirm transition continues, some product terms and reporting practices may continue to change
If you originally signed up under PayBright, your account terms may have changed as it moved to the Affirm platform — review your current agreement rather than relying on the original PayBright terms.
For how Affirm works in the US, see our US Affirm guide, or return to the full Canada BNPL guide.