Pay at your own pace

Pay at your own pace

Flexible payment options with Affirm, starting at 0% APR

When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to pay over time—and never pay a penny more than you agree to on day one.

Buying with Affirm is simple

For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR

  1. 1.Fill your cart

    Fill your cart

    Select Affirm at checkout, then enter a few pieces of info for a real-time decision.

  2. 2.Choose how to pay

    Choose how to pay

    Pick the monthly payment plan you like best. You'll never pay more than you agree to up front.

  3. 3.Pay over time

    Pay over time

    Make payments at affirm.com or in the Affirm app. You'll also get reminders by text and email.

Just select

at checkout

  1. Transparent

    Affirm tells you the total amount you'll pay up front. That number will never go up.

  2. Flexible

    You choose the payment schedule that works best for you.

  3. Fair

    Affirm doesn't charge late fees or hidden fees of any kind, ever.

Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. See affirm.com/licenses for important info on state licenses and notifications.

FAQs

  • Can I pay off my purchase early?

    Yes, there's no penalty for paying early.

  • How do I make my payments?

    You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

  • Can I return an item I bought with Affirm?

    Yes, you can return an item you bought with Affirm by initiating the return process with the store.

    You must provide the care and maintenance of the merchandise as described above. You must maintain possession of your sales slip and Plan document, which will serve as identification of Plan purchase, as well as merchandise identification for covered item.

  • Does checking my eligibility affect my credit?

    No, your credit won't be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it's considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm's Help Center.

  • Do I need a mobile number to use Affirm?

    Yes, you'll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it's really you who is creating your account and signing in.

  • Where can I learn more about Affirm?

    You can visit their website at affirm.com.