Choose how you pay at your own pace
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.
|Affirm tells you up front the total amount you’ll pay. That number will never go up.
||You choose the payment plan that works for you. Our smart checkout gives you options.
||Affirm won’t charge you late fees or penalties of any kind, ever.
Buying with Affirm is simple
|1. Fill your cart
||2. Choose how you pay
||3. Pay over time
|Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
||Pick the payment plan you like best — from 4 interest-free payments every 2 weeks to monthly payments up to 12 months. You’ll never pay more than you agree to up front. See footer for details.
||Make payments at affirm.com or in the Affirm app (Android or Apple). You’ll get email and text reminders.
Rates from 0% APR or 10-36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.
CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see affirm.com/licenses.
- Can I pay off my purchase early?
Yes! There’s no penalty for paying early.
- How do I make my payements?
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 a return process with the store.
- Does checking my eligibility affect my credit score?
No — your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in 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