Financing
Buy Now. Pay Later. Interest-Free.
How it Works
Choose Affirm at checkout and spread your payments over 3, 6 or 12 months, interest-free. For example, on a $1,000 purchase, only spend $83.33 a month for 12 months.
Instant Decision
Sign up today, get an instant decision in seconds, and shop.
No Impact on Your Credit
Shopping with Affirm won't have any effect on your credit score.
Your rate will be 0% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.
Curious About Your Credit Score?
Your credit score will not be affected when you check your eligibility, even though we perform a credit check. If you decide to buy with us, your loan and payments may affect your credit score. Paying on time can help you build positive credit history.
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Buying with Affirm is simple
1. Fill your cart
When you’re done shopping, select Affirm at checkout.
2. Complete your purchase
Enter a few pieces of info for a real-time decision.
3. Pay over time
Make payments every 2 weeks at affirm.com or in the Affirm app.
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Say yes with confidence
When you buy with Affirm, you always know exactly what you'll owe and when you'll be done paying. You’ll never pay a hidden fee—or any fee, for that matter.
Transparent
Never pay more than the price of your purchase.
Simple
It only takes a moment, and checking your eligibility won’t affect your credit score.
Fair
Affirm won’t charge you late fees or penalties of any kind, ever.
Financing with Affirm
Pay over 3, 6, 12 months with rates from 0% APR or 10%-36% APR.
Want to reach out and chat with a person? The Affirm customer support team is just a phone call away.
Available seven (7) days a week, 7 a.m. to 10 p.m. CT
(855) 423-3729
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 customer 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.
