Pay At Your Own Pace

With Affirm, split purchases into 4 interest-free payments every two weeks or longer-term monthly payments.

When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to split your purchase into 4 interest-free payments, or select a monthly installment plan over a time period that works best for you.
Just Select Affirm at Checkout

Choose 4 interest-free payments paid every two weeks or monthly installments.

For example, a $200 purchase might cost $34.31/mo over 6 months at 10% 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 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.
Just Select Affirm at Checkout

  • 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. 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.

FAQs

What are Affirm's fees?

Affirm strives to keep you out of unhealthy debt by facilitating fair, transparent credit so you can pay over time for the things you love. You will never owe more than what you agree to up front. Instead, you always get a flexible, transparent, and convenient way to pay over time.

When we say, no fees, we mean it. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close an account.

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.

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.

A refund will be posted to the customer’s Affirm account after we process your refund request. In the event that we issue a store credit instead of a refund, you will still be responsible for paying
off their Affirm loan.

If you have already made loan payments or a down payment, Affirm issues a refund credit to the bank account or debit card that you used to make the payments.

Paid interest - Affirm does not refund any paid interest.

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.

What is required to have an Affirm account?

To sign up for Affirm, you must:

  • Be 18 years or older
  • Provide a valid mobile number and agree to SMS messages
  • Provide your full name, email address, date of birth, and the last 4 digits of your social security number

Where can I learn more about Affirm?

You can visit their website at affirm.com.