Online orders at Merit can be paid in instalments with Shop Pay Installments. You pick it at checkout, and the plan options you see there depend on your order total and an eligibility check by Affirm. Merit gets paid for the order up front, so your delivery and warranty work exactly the same as with any other payment.
How Shop Pay Installments works at checkout
- Add what you want to your cart and go to checkout.
- Choose Shop Pay, then "Pay in installments".
- Affirm runs a quick eligibility check and shows the plans open to you.
- Pick a plan. Depending on eligibility and the amount, you may see 2 or 4 bi-weekly payments, or monthly payments.
- Check the schedule before you confirm. The plan type can't be changed after checkout, and some plans ask for a payment today.
The "from $X/mo" line under a price is calculated by Shopify, not by us. It's an estimate of one plan; the plans offered to you at checkout are the ones that count.
Shop Pay Installments questions
Which orders qualify?
In Canada, online orders from $35 to $30,000 CAD, counted after discounts and including delivery and taxes. Affirm decides eligibility for each order.
Can I use it in the showroom?
No. In Canada Shop Pay Installments is for online orders only. In our Duncan, Nanaimo, Campbell River and Port Alberni stores, ask about financing through Fairstone (on approved credit, terms and conditions apply).
Is there interest?
Some plans are interest-free and some carry interest. Rates run from 0% to 31.99% APR, and you see the rate and total cost of any plan before you accept it. The full disclosure is below.
Who do I contact about my payments?
Payments are handled by Affirm, so questions about a plan, a payment date or your balance go to the Affirm Help Center. Questions about the furniture, appliances or delivery come to us through the contact page.
What happens if I return something?
Returns and cancellations come to us and follow our normal policy. For how a refund shows up on your plan, check with Affirm.
Shop Pay Installments disclosure
Rates from 0-31.99% APR (subject to provincial regulatory limitations). Payment options through Affirm Canada Holdings Ltd. (“Affirm”) are subject to an eligibility check and depend on purchase amount, payment terms, vary by merchant, and may not be available in all provinces/territories. Minimum purchase and down payment may be required. For example, an $800 purchase could be 12 monthly payments of $72.21 at 15% APR for total repayment of $866.48 (credit charges of $66.48), or 4 interest-free payments of $200 every 2 weeks. Visit helpcenter.affirm.ca for more information.