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.
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 at affirm.com or in the Affirm app. You’ll also get reminders by text and email.
With Affirm, you always know exactly what you'll owe, when each payment is due, and the specific date you'll be done paying — no surprises, no hidden fees, and no guesswork.
You’ll never pay late fees, hidden fees, or annual fees. And never any compound interest, either.
You choose the payment schedule that works best for you.
Affirm doesn’t charge late fees or hidden fees 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.
We currently ship to the United States and Canada.
To use Affirm at checkout you need to be 18 or older, have a US or Canadian phone number that can receive text messages, and provide a valid SSN (or other government ID where Affirm requires it). Affirm runs a soft credit check at checkout that doesn't impact your credit score, and approval decisions happen in real time.
Applying for Affirm doesn't affect your credit score. Affirm runs a soft credit check at checkout that isn't reported to credit bureaus. Depending on the payment plan you choose, your payment history may be reported to Experian once the loan is active, so on-time payments may help build your credit and late or missed payments may hurt it.
Affirm never charges late fees or hidden fees. Pay-in-4 plans are interest-free. Longer monthly installment plans may charge interest depending on the loan you're approved for, with APRs ranging from 0% to 36%. Your exact terms and total cost are shown at checkout before you confirm, so there are no surprises after the fact.
Returns on Affirm-financed orders follow our standard return policy, including the 30% restocking fee. The refund (after the restocking fee is deducted) is sent to Affirm and applied to your loan balance. If you've already paid more than that adjusted balance, Affirm refunds the difference to your original payment method within 3 to 10 business days. Because of the restocking fee, you may still owe a remaining balance on the loan after the return.
