Financing: Pay Over Time with Afterpay or Affirm
Take it home now. Pay over time.
Radique now offers Afterpay and Affirm at checkout, so you can spread the cost of your next amplifier, turntable or pair of speakers. There's nothing to apply for through us and no waiting for a text link: choose one when you check out, get a decision in moments, and your order goes ahead like any other.
Available to Canadian residents paying in Canadian dollars. Approval and terms are set by Afterpay and Affirm.
Which option fits which order
The option shown at checkout depends on your order total, including shipping and tax. All amounts are in Canadian dollars.
How it works at checkout
Add your gear
Add what you'd like to your cart and go to checkout.
Use a Canadian address
Enter a Canadian billing address. The option that fits your order appears alongside the card payment choices.
Choose and sign in
Select Afterpay or Affirm and follow the short sign-up or login.
We get it ready
Once approved, your order is placed and we prepare it for shipping or pickup, just as with a card payment.
Same warranty
Every purchase carries our Bumper-to-Bumper Warranty, however you pay.
Same Trade-Back
Your gear stays eligible for our Perpetual Trade-Back Program when you're ready to move up.
Simple refunds
If a return is approved, the refund goes back through Afterpay or Affirm, and they adjust your plan.
Financing questions, answered
Which option can I use for my order?
It depends on your order total at checkout, including shipping and tax. Orders from $500 to $2,000 can use Afterpay. Orders of $2,000 and up can use Affirm. Orders under $500 are paid by credit or debit card, Apple Pay or Google Pay.
Does Afterpay charge interest or fees?
Afterpay never charges interest, and there are no fees when you pay on time. If a payment is late, Afterpay may charge a late fee under its own terms; in Canada its late fees are capped at 25% of the order price and never exceed $68 per order. See afterpay.com for current terms.
Does Affirm charge interest?
It can. Affirm offers rates from 0% to 31.99% APR, depending on your eligibility and province. You see the exact rate, your monthly payment and the total cost before you agree, and Affirm doesn't charge late fees. See affirm.com for current terms.
Will using Afterpay or Affirm affect my credit?
Afterpay doesn't run credit checks to assess creditworthiness. Affirm checks your eligibility with a soft credit check, which doesn't affect your credit score. Each provider explains its own practices on its website.
Why don't I see Afterpay or Affirm at checkout?
The usual reasons: your order total is under $500, your billing address isn't in Canada, or the store currency is set to something other than Canadian dollars. Switch the currency selector at the top of the page to $ CAD and check your billing address. New Afterpay accounts also start with a lower spending limit that grows with on-time payments, so a larger order may be declined at first. If you're still stuck, contact us.
Can I use financing for pickup or delivery orders?
Yes. Once your order is approved it's placed like any other, and we prepare it for shipping or for pickup.
Can I pay my plan off early?
Yes. You can pay ahead in the Afterpay or Affirm app or website at any time, and Affirm doesn't charge a penalty for paying early.
What happens if I return something?
If a return is approved, we refund it through Afterpay or Affirm and they adjust your plan. Your warranty and Trade-Back eligibility are the same whichever way you pay.
I have a Humm plan with Radique. Does anything change?
No. Existing plans continue with Humm as agreed. For new purchases, Afterpay and Affirm have replaced Humm.
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Afterpay and Affirm are offered by their respective providers, subject to eligibility and approval. Radique doesn't set rates, limits, fees or approval decisions. Provider details on this page were checked in September 2026 and can change; the terms shown at checkout and on afterpay.com and affirm.com always apply.