How Affirm Works

For example, a $2,000 purchase might cost $83.33/mo over 24 months at
0% APR.

Choose 6, 12, or 24 monthly payments

  • 1. Fill your cart

    Select Affirm at checkout, then enter a few pieces of info for a
    real-time decision.

  • 2. Choose how you pay

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

  • 3. Pay over time

    Make payments at affirm.com or in the Affirm app. You’ll get email and
    text reminders.
Rates from 0% APR or 10–36% APR based on credit, and is subject to
an eligibility check. 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. 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
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 score?

No—your credit score won’t be affected when you create an Affirm account or
check your eligibility. If you decide to buy with Affirm, this may impact your
credit score. You can find more information in 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.