Pay Over Time Starting at 0% APR
Flexible payment options with Affirm, starting
at 0% APR.
When inspiration strikes, Affirm gives you payment options to suit your budget. Just select Affirm at checkout to pay over time for your purchase, starting at 0% APR.
Choose 4 Interest-Free Payments Paid Every Two Weeks Or Monthly Installments.
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 payment plan you like best. You’ll never pay more than you agree to.
3. Pay over time
Make payments at affirm.com or in the Affirm
app. You’ll also get reminders by text and
email.
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.
FAQ's
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?
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.
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.