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Buy now, pay later

With Affirm, choose a payment plan that works for you, with up to 12 months interest-free or longer terms.

When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to choose a monthly installment plan over a time period that works best for you.

Choose 6 or 12 month interest-free or opt for a longer-term.

For example, a $4000 purchase might cost $333.33/mo over 12 months with $0 interest.

1. View payment plans

Example of the ‘Learn more’ link showing available monthly plans

Select "Learn more" next to the price on product pages, in shopping cart, or at checkout to view available plans.

2. Select Affirm at checkout

Select Affirm at checkout and place order to apply for financing

Select Affirm as the payment type and "Place Order", then enter a few simple pieces of info for real-time decision.

3. Buy now, pay over time

Choose a monthly payment schedule to complete your purchase

Pick the payment plan you like best to finish your order. You’ll never pay more than you agree to up front.

Just select Affirm at checkout

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.

Transparent

Affirm tells you up front the total amount you’ll pay. 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.

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. 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

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. When you apply or check to see if you prequalify, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments, your repayment activity may be reported to credit bureaus.
Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you when creating your account and signing in.
You can visit their website at affirm.com.