Pay at your own pace

When inspiration strikes, say yes with confidence—knowing you’ll never pay a penny more than your purchase price.

How Affirm works

Buying with Affirm is simple:

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 or in the Affirm app. You’ll get email and
 text reminders.

Value Proposition:

Buy with confidence

With Affirm, you always know exactly what you'll owe and when you'll be done paying.

  • Transparent: Never pay more than the price of your purchase.
  • Simple: It only takes a moment, and checking your eligibility won’t affect your credit score.
  • Fair: Affirm won’t charge you late fees or penalties of any kind, ever.


Your rate will be 0% APR or 10–30% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required.


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 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