Buying with Affirm is simple!

1. Fill your cart

Select Affirm at checkout, then enter a few pieces of info for a real-time decision.

2. Choose how you pay

Pick the payment plan you like best—from 4 interest-free payments every 2 weeks to monthly payments up to {{longest term length offered}} months. You’ll never pay more than you agree to up front. See footer for details.

3. Pay over time

Make payments at affirm.com or in the Affirm app. You’ll get email and text reminders.

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 plan that works for you. Our smart checkout gives you options.

Fair

Affirm won’t charge you late fees or penalties of any kind, ever.

Your rate will be 0% APR or 10–36% APR. For example, an $800 purchase might cost $73/mo over 12 months at 15% APR. 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 Lenders Law license.

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?

You can visit their website at affirm.com.