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  • Fast & easy decision


    Affirm provides a real-time loan decision in seconds without affecting your credit score.

  • No late fees or hidden costs


    While your plan may include interest, you’ll only ever pay what you agreed to on day one.

  • Pay at your own pace


    You get to choose the payment plan that works best for you and your budget.

How it works


  1. Go shopping
    Add the items you want to your cart, then go to Checkout

  1. Checkout with Affirm
    Select Affirm as your payment method during checkout

  1. Choose your payment terms
    Select which Affirm payment plan you'd like to checkout with

  1. Complete your purchase
    You’ll pay for your order over time in monthly installments

Pay in monthly installments*

3 or 6 months

e.g. a $1,000 purchase might cost $166.67/mo over 6 months.

12 months

e.g. a $1,000 purchase might cost $90.28/mo at 15.05% APR.

18 months

e.g. a $2,000 purchase might cost $124.85/mo at 15.09% APR.

36 months

e.g. a $6,500 purchase might cost $225.80/mo at 15.15% APR.

*10–36% APR based on credit, and is subject to an eligibility check. Paid interest is non-refundable. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.

Frequently Asked Questions

Simply select Affirm during checkout and answer a few questions about yourself. Once Affirm has confirmed you’re eligible, you’ll get to choose the payment plan that works best for you.
Your cart total must be at least $300 in order to use Affirm.
All you need to provide is your name, email, phone number, birth date, and the last 4 digits of your social security number. Affirm uses this information to verify your identity. Once you’re verified, you’ll receive an estimate of how much you can borrow.
When you create an account, Affirm will perform a soft credit check to verify your identity and determine your eligibility. This will not affect your credit score.

Affirm doesn't charge any late fees or hidden costs. While your payment plan may include interest, you'll never owe more than you agree to at the start.
Yes, very. Affirm encrypts sensitive data including your social security number to ensure it is protected at all costs. They also maintain physical, electronic, and procedural safeguards to protect all your personal details. Affirm will never sell or disclose your information to any third-parties.
Almost! While you can use Affirm to buy many different things, there are some exceptions. You can’t use Affirm for: Illegal items and activities Weapons, including parts and accessories Narcotics and drug paraphernalia Currency, including cryptocurrency PayPal, Venmo, and other money transfer services Cash advances Loan and credit card payments Any goods or services deemed unacceptable by Affirm or its Bank Partner(s), in their sole discretion, may also be ineligible. Please read Affirm's Terms of Service for more information.
Yes, Affirm can be used to purchase items that are on pre-order or temporarily backordered. While your first payment won’t be charged until the order ships, please note that Affirm only authorizes a loan for 90 days. If your item does not ship within 90 days of purchase, your order will be cancelled. If this happens, please place the order again to reauthorize your loan.
Yes, returning an item that was purchased using Affirm is not a problem, as long as it's otherwise in accordance with our standard return policy. Once we have received and processed your return, you will receive the refund amount directly from Affirm. Please note, any interest paid on the item will not be refunded, and you should continue to make any monthly payments that are due while you wait for your refund. Once Affirm receives the refund, the refund amount will show up in your loan timeline within 3–10 business days, and your balance will be updated.
Yes, provided the order has not yet shipped. Please contact us immediately by calling 1.800.221.0828 or by emailing [email protected] to cancel an order.

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