Steps on How to use Affirm

  • 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.

  • Transparent

    Affirm tells you up front the total amount you’ll pay. That number will never go up.

  • Flexible

    You choose the payment plan that works for you. Our smart checkout gives you options.

  • Fair

    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.

Frequently Asked Questions

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.

Checking eligibility will not impact 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.

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.

You can visit their website at affirm.com.