Pay at your own pace
With Affirm, split purchases into 4 interest-free payments every two weeks or longer-term monthly payments
When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to split your purchase into 4 interest-free payments, or select a monthly installment plan over a time period that works best for you.
at checkout
Choose 4 interest-free payments paid every two weeks or monthly installments.
For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR
Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
Pick the plan that fits your budget. You'll never pay late or hidden fees.
Make payments online or in the Affirm app with reminders by text and email.
Buy with confidence
With Affirm, you always know exactly what you’ll owe and when you’ll be done paying.
Transparent
You’ll never pay late fees, hidden fees, or annual fees. And never any compound interest, either.
Flexible
You choose the payment schedule that works best for you.
Fair
Affirm won’t charge you late fees or penalties of any kind, ever.
Rates from 0–36% 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. 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.
FAQs
Can I pay off my purchase early?
Yes! There’s no penalty for paying early.
How do I make 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 eligibility affect credit?
No, your credit won't be affected when you create an Affirm account or check your eligibility (including checking your prequalification 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.