Affirm Financing

Easy monthly payments with Affirm

When inspiration strikes, say yes with confidence—knowing you'll never pay late or hidden fees.

Buy with confidence

When you pay with Affirm, you always know exactly what you'll owe and when you'll be done paying. You'll never pay late fees or hidden fees of any kind.

  • Transparent — You'll never pay late fees, hidden fees, or annual fees. And never any compound interest, either.
  • Flexible — Choose from available payment options at checkout.
  • Fair — Affirm doesn't charge late fees or hidden fees of any kind, ever.

Rates from 0–36% APR. For example, an $800 purchase might cost $72.21/mo over 12 months at 15% 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. Estimated payment amount may exclude taxes and shipping. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses.

 

Get flexible monthly payment options.

  • 1. Fill your cart

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

  • 2. Choose how to pay

    Pick the plan that fits your budget. You’ll never pay late or hidden fees.

  • 3. Pay over time

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

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 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. It is considered a soft inquiry, which does not affect your credit.

Do I need a mobile number to use Affirm?
Yes, you'll need a mobile phone number from the US or US territories.

Where can I learn more about Affirm?
Visit affirm.com.