When inspiration strikes, say yes with confidence—with Affirm, there are no late fees, service fees, prepayment fees, or any hidden fees when using Affirm 4 Interest-Free Payments.
Or Just select Affirm at checkout
Choose 3, 6, or 12 Monthly Payments
For example, a $700 purchase might cost $63.18/mo over 12 months at 15% APR (APR varies)
How Affirm Work
Buying with Affirm is Simple
- Fill your cart (min. $250.00)
- When you’re done shopping, select Affirm at checkout.
- Choose how you pay
- Enter a few pieces of info for a real-time decision.
- Pay over time
- Make 4 payments every 2 weeks at affirm.com or in the Affirm app or choose monthly payments for 3, 6 or 12 months. 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. You’ll never pay a hidden fee—or any fee, for that matter.
Transparent
Affirm tells you up front the total amount you’ll pay. That number will never go up.
Flexible
It only takes a moment, and checking your eligibility won’t affect your credit.
Fair
Affirm won’t charge you late fees or penalties of any kind, ever.
Payment options are offered by Affirm and are subject to an eligibility check. 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. For licenses and disclosures, see affirm.com/licenses.
FAQs
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.
Does checking my eligibility affect my credit?
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.
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 their website at affirm.com.