Pay at yourown pace.
With Affirm, split your purchase into 4 interest-free payments every two weeks — or choose longer-term monthly installments over a time period that works best for you. Select Affirm at checkout to say yes without giving up financial control.
- 4 interest-free payments
- No hidden or late fees
- Know your total up front
Choose 4 interest-free payments — or monthly installments
For example, a $200 purchase might cost $34.31/mo over 6 months at 10% APR.
01
Fill Your Cart
Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
02
Choose How to Pay
Pick the payment plan you like best. You'll never pay more than you agree to up front.
03
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
Always know exactly what you'll owe
With Affirm you always know exactly what you'll owe and when you'll be done paying — no surprises.
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.
Questions
Frequently Asked Questions
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. 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 your Affirm account after we process your refund request. If we issue a store credit instead of a refund, you are still responsible for paying off your Affirm loan. If you've already made loan payments or a down payment, Affirm issues a refund credit to the bank account or debit card you used. Paid interest is not refunded by Affirm.
Does checking my eligibility affect my credit?
Checking eligibility will not impact your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. 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 a resident of the U.S. (including U.S. territories), be at least 18 years old (19 if you're a ward of the state in Nebraska), have a Social Security number, and own a phone number that receives SMS and is registered to the U.S. or U.S. territories.
Where can I learn more about Affirm?
You can visit their website at affirm.com.
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