Financing
Pay over time 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
Estimate your monthly payment
Enter your project total to see monthly payment options from Affirm.
Enter a project total between $50 and $30,000.
Get flexible monthly payment options.
For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR.
How it works
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.
Shop by project
Frequently asked questions
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. See our return policy.
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 prequalification 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.
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. CA 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/licenses. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR. Full payment terms: affirm.com/disclosures.