Buy Now Pay Later

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

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.

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.

Your rate will be 0% - 36% APR. For example, a $800 purchase
might cost $72.21/mo over 12 months at 15% APR. Payment options through
Affirm are subject to an eligibility check 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 Finance Lenders 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 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 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?
Checking eligibility will not impact 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.