For example, a $700 purchase might cost $64/mo over 12 months at 15% APR.
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 monthly payment plan you like best. You’ll never pay more than you agree to up front.
3. Pay over time
Make payments at affirm.com or in the Affirm app. You’ll get email and text reminders.
Buy with confidence
With Affirm, you always know exactly what you'll owe and when you'll be done paying.
Affirm tells you up front the total amount you'll pay. That number will never go up.
You choose the payment schedule that works for you.
Affirm won’t charge you late fees or penalties of any kind, ever.
Payment options are offered by Affirm, are subject to an eligibility check, and may not be available in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.
What is the interest rate?
They offer payments at a rate between 0–30% APR based on your credit. There are no additional fees or compounding interest, what you see is what you pay—never a penny more.
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 pay off my purchase early?
Yes! There’s no penalty for paying early.
Does checking my eligibility affect my credit score?
No—checking your eligibility won't affect your credit score.
Can I return an item I bought with Affirm?
Yes – You can return an order purchased using Affirm as long as it falls in line with our return policy.
We also offer financing through Katapult's lease-to-own plan. With Katapult, you can get approved for up-to $3,500 in minutes, checkout for a low initial fee, and with their 90-day purchase option, you get a discount on early buyout, making what you lease, yours.