Easy monthly payments with Affirm.

Pay Over Time

When inspiration strikes, Affirm gives you payment options to suit your budget. Just select Affirm at checkout to pay over time for your purchase

Get flexible monthly payment options.

For example, a $800 purchase might cost $72.21/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 to pay

Pick the plan that fits your budget. You'll never pay late or hidden fees.

3. Pay over time

Make payments at affirm.com or in the Affirm app. You’ll also get 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 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. See affirm.com/licenses for important info on state licenses and notifications.

Affirm FAQs

Yes! We offer flexible financing options at checkout through Affirm and Shop Pay Installments, making it easier to bring your favorite pieces home today and pay over time.

Affirm Financing
Rates from 0–36% 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.California 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/licensesFor example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR.You can view the full Affirm disclosure here.

Shop Pay Installments
Rates from 0–36% APR. Payment options through Shop Pay Installments 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.State notices to consumers: affirm.com/licenses

Yes, there’s no penalty for paying early.

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.

Yes, you can return an item you bought with Affirm by initiating the return process with the store.

No, your credit won't be affected when you create an Affirm account or check your eligibility (including checking your pre qualification 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.

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.

You can visit their website at affirm.com.