Pay over time with Affirm
When inspiration strikes, Affirm gives you payment options to suit your budget. Just select Affirm at checkout to pay over time for your purchase.
Buying with Affirm is simple
1. Fill your cart
Select Affirm at checkout, then enter a few simple pieces of info for a real time decision.
2. Choose how you 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 to affirm.com or in the Affirm app. You'll get email and text reminders.
Say yes with confidence
When you buy with Affirm, you always know exactly what you'll owe and when you'll be done paying.
Transparent
Never pay more than the price of your purchase. Affirm tells you up front the total amount you'll pay. That number will never go up. Our smart checkout gives you options.
Flexible
You choose the payment schedule that works best for you.
Fair
Affirm won't charge you late fees or penalties 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 purchases 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 message reminders before paymetns are due.
Can I return an item bought with Affirm?
Yes, you can return an item you bought with Affirm by initiating the return process with the store.
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.
Where can I learn more about Affirm?
You can visit Affirm.com for more information.