Choose how you pay at your own pace

Choose how you pay at your own pace

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.

How it Works

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    Fill Your Cart

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

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    Choose how you pay

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

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    Pay over time

    Make payments at 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.


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


You choose the payment plan that works for you. Our smart checkout gives
you options


Rates from 0% APR or 10–36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending
partners: 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. For licenses and disclosures, see


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 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 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