Pay at Your Own Pace with Affirm

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. Fill your cart – Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
  2. Choose how to 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 also get reminders by text and email.

Buy with Confidence

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

  • Transparent – Affirm tells you the total amount you’ll pay up front. That number will never go up.
  • Flexible – You choose the payment schedule that works best for you.
  • 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.

Frequently Asked Questions

Can I pay off my purchase early?

Yes! There's no penalty for paying early.

How do I make 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

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.

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