When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to pay over time—and never pay a penny more than you agree to on day one.
Your rate will be 0–30% APR, subject to eligibility. For example, on a $300 purchase, you may pay $28/mo for 12 months (15% APR).*
Buying with Affirm is simple
- Fill your cart. Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
- Complete checkout. Affirm will give you a one-time-use virtual card to type in at checkout.
- Pay over time. Make payments at affirm.com or in the Affirm app. You’ll get email and text reminders.
Buy with confidence
With Affirm, you always know exactly what you'll owe and when you'll be done paying.
Affirm tells you up front the total amount you’ll pay. That number will never go up.
You choose the payment schedule that works for you.
Affirm won’t charge you late fees or penalties of any kind, ever.
Can I pay off my purchase early?
Yes! There’s no penalty for paying early.
How do I make my payments?
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.
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?
Affirm is available in stores
at the following store locations
*Payment options through Affirm are subject to an eligibility check, may not be available in all states, 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 Finance Lender license.