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. 

Choose payment plans from 6 weeks to 24 months 

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 24 months. You’ll never pay more than you agree to up front. See footer for details. 

3. Pay over time 
Make payments at or in the Affirm app. You’ll get email and text reminders. 

Buy with confidence 

Affirm tells you up front the total amount you’ll pay. That number will never go up.

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

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

Your rate will be 0% APR or 10-30% APR. For example, a $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: 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 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