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CHOOSE PAYMENT PLANS FROM 6 WEEKS TO 36 MONTHS

Buying with Affirm is simple

Two smartphones displaying the Affirm mobile app, showing payment options and a prequalified spending offer. The background is blue with a yellow circle highlighting the phrase "A smarter way to pay."

FILL YOUR CART

Shop at many of your favorite stores and select Affirm at checkout. Then enter a few details for an instant decision. We do a soft credit check when you apply for any Affirm payment plan. This won’t impact your credit score.

Mobile phone screen displaying loan options with payment details, interest rates, and terms in a financial app, against a green background.

CHOOSE HOW TO PAY

Select your payment plan, then confirm your loan. We’ll never charge more than you see up front.

For example: Let’s say you make a purchase of $1,000. Choose to make 4 biweekly, interest-free payments of $250 or pay over 3 ($333/mo), 6 ($166/mo) or 12 ($83/mo) months from 0-32% APR (subject to provincial regulatory limitations). (This is in Italics)

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MAKE YOUR PAYMENTS

Manage your payments in the Affirm app or online, and set up AutoPay so you don’t miss a payment. But if you do, you’ll never pay any fees.

Logo for Affirm, a financial services company, featuring the word 'affirm' with a blue arch over the 'i'.
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Financial terms highlighted in bold: Transparent, Flexible, Fair. Descriptions emphasize that transparent means upfront total amount, flexible means choosing payment plan options, fair indicates no late fees or penalties.

*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.*

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FAQ

  • 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.

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

  • 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.

  • 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.

  • You can visit their website at affirm.com.

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