Creating an Affirm account and seeing if you prequalify will not affect your credit score. 

1.  Visit an IRIS location with your existing glasses prescription or book an appointment for an eye exam. 
2. Find the glasses you love. 
3. Tell an IRIS team member that you’d like to apply for financing. 
4. Get approved. 

• Pay in 4 or make monthly payments for bigger ticket items. Rates from 0-32% APR (subject to provincial regulatory limitations). See below for details. 
• No credit impact : Checking your eligibility is quick and easy—and it won’t ding your credit. 
• Get set up in minutes : Setting up Autopay is easy, so the only thing you’ll have to do is enjoy your purchase. 
• No hidden fees – ever : That’s why over 1 million shoppers trust Affirm. 

Fees - We don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account. 

Interest - Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into. 

When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase. The final amount you qualify for is subject to eligibility criteria.