When inspiration strikes, Affirm helps you say “Yes!” with payment options to suit your budget.
Just select Affirm at checkout to pay over time. Starting at 0% APR with no hidden fees.
Buying with Affirm is Simple
For example, a $2,500 purchase might cost $122/mo over 24 months at 15% APR
Step 1
Fill your cart
Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
Step 2
Choose how to pay
Pick the monthly payment plan you like best. You’ll never pay more than you agree to up front.
Step 3
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
With Affirm, you always know exactly what you’ll owe and when you’ll be done paying.
Transparent
Affirm tells you up front the total amount you’ll pay. That number will never go up.
Flexible
You choose the payment schedule that works 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
1. Can I pay off my purchase early?
Yes, there’s no penalty for paying early.
2. 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.
3. Can I return an item I bought with Affirm?
Yes, you can return any eligible item you bought using Affirm by reaching out to our customer service team within 14 days of receipt of your item. For specific information on return eligibility, please read our return policy carefully.
4. Does checking my eligibility affect my credit score?
No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect 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 on Affirm’s Help Center.
5. 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.
