Pay over time

Easy monthly payments with Affirm

When inspiration strikes, Affirm gives you payment options to suit your budget. Select Affirm at checkout to pay over time for your purchase—no late fees.

Get flexible monthly payment options.

For example, an $800 purchase might cost $72.21/mo over 12 months at 15% APR.

1. Fill your cart

Affirm checkout selection screenshot

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

2. Create your account

Choose monthly plan screenshot

Pick the monthly plan that fits your budget. You’ll never pay late or hidden fees.

3. Pay over time

Make payments with Affirm screenshot

Make payments at affirm.com or in the Affirm app. Get reminders by text and email.

Just select  Affirm  at checkout

Buy with confidence

Know exactly what you’ll owe and when you’ll be done paying—every time.

No late fees or hidden fees of any kind.

Transparent

No late fees, hidden fees, or annual fees. And no compound interest.

Flexible

Choose the payment schedule that works best for you.

Fair

Affirm doesn’t charge late fees or hidden fees—ever.

Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check and may not be available in all states. Options depend on your purchase amount, and a down payment may be required. Loans are made by Affirm’s lending partners. See affirm.com/licenses.

FAQs

Can I pay off my purchase early?

Yes. There’s no penalty for paying early.

How do I make my payments?

Make or schedule payments at affirm.com or in the Affirm app (iOS/Android). Affirm sends email and text reminders before payments are due.

Can I return an item I bought with Affirm?

Yes. Start your return with Da Offset; if your order qualifies for a return, once processed, Affirm updates your loan.

Does checking my eligibility affect my credit?

Creating an Affirm account or checking eligibility is a soft inquiry and won’t affect your credit score. If you take out a loan, some actions may be reported to credit bureaus.

Do I need a mobile number to use Affirm?

Yes. A U.S. mobile number helps Affirm verify your identity and secure your account.

Where can I learn more about Affirm?

Visit affirm.com or the Affirm Help Center.