Pay at your own pace with Affirm

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.

How Affirm works

Buying with Affirm is simple

1. Fill your cart

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

2. Choose how you pay

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

3. Pay over time

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

Say yes with confidence

With Affirm, you always know exactly what you'll owe and when you'll be done paying.

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

Flexible. You choose the payment schedule that works for you.

Fair. Affirm won’t charge you late fees or penalties of any kind, ever.

Rates from 0% APR or 10-36% 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. 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.

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.