Pay over time

Easy monthly payments with Affirm

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

Just select at checkout

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

2. Choose how to pay

3. Pay over time

Buy with confidence

With Affirm, you always know exactly what you’ll owe and when you’ll be done paying.

Transparent

Affirm tells you the total amount you’ll pay up front. That number will never go up.

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.

Disclosure Rates from {0–36% APR} {10–36% 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.

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 paymentsare 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?

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.