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.
Choose 3, 6, or 12 monthly payments. For example, a $700 purchase might cost $64/month over 12 months at 15% APR.
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. Complete your purchase: Enter a few pieces of info for a real-time decision. | ![]() |
3. Pay over time: Make 4 payments every 2 weeks at Affirm.com or in the Affirm app. | ![]() |
Say yes with confidence! When you buy with Affirm, you always know exactly what you'll owe and when you'll be done paying. You’ll never pay a hidden fee—or any fee, for that matter.
Simple - It only takes a moment, and checking eligibility will not impact credit. If you decide to pay with installments through Affirm, your payments may be reported to credit bureaus.
Fair - With Affirm, there are no late fees, service fees, prepayment fees, or any hidden fees.
Disclosure - Rates from 0–36% 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. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR.
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—checking your eligibility won't affect your credit score.
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.