Yes! There’s no penalty for paying early.
Choose how to pay at your own pace
When inspiration strikes, say yes with confidence – knowing you’ll never pay a penny more than your purchase price.
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1. Fill your cart
When you’re done shopping, select Affirm at checkout.
2. Choose how to pay
Enter a few pieces of info for a real time decision.
3. Pay over time
Make 4 payments every 2 weeks at affirm.com or in the Affirm app.
Buy with confidence
With Affirm, you always know exactly what you'll owe and when you'll be done paying.
Affirm tells you up front the total amount you’ll pay. That number will never go up.
You choose the payment plan that works for you. Our smart checkout gives you options.
Affirm won’t charge you late fees or penalties of any kind, ever.
Rates from 0% APR or 10–36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% 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 Finance Lenders Law license. For licenses and disclosures, see affirm.com/licenses.
Yes—you can return an item you bought with Affirm by initiating the return process with the store.
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.
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.