Buying with Affirm is simple
Easy monthly payments. 0% APR financing. No money down.* We've partnered with Affirm to make it easier than ever to get the relief you deserve.
Buy Now Pay LAter
Pay at your own pace with Affirm
When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to pay over time—and never pay a penny more than you agree to on day one.
How it works
Buy with confidence
With Affirm, you always know exactly what you'll owe and when you'll be done paying.
Frequently asked questions
Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers real-time financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly installments.
Here is what Affirm offers:
Buy and receive your purchase now and pay for it over time. This allows you to split up the price of your purchase into fixed payment amounts that fit your monthly budget. If Affirm approves you for a loan, Affirm discloses your loan terms before you make your purchase. You will know exactly how much you’ll owe each month, the number of payments you must make, and the total amount of interest you’ll be paying over the course of the loan. Affirm does not charge hidden fees.
The application process is secure and in real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm will notify you of the loan amount you’re approved for, the interest rate, and the number of months you will have to pay off your loan, all within seconds.
You don’t need to have a credit card to make a purchase.
Affirm bases its loan decision not only on your credit score, but also on several other data points about you. You may be eligible for Affirm financing even if you don’t have an extensive credit history.
Affirm will send you email and SMS reminders in advance of your upcoming payment. You can also enable “Autopay” to schedule automatic monthly payments on your loan.
We don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account. Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.
When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase.
Affirm will ask you for a few pieces of personal information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Affirm uses this information to verify your identity, and to make an instant loan decision. Affirm will base its loan decision not only on your credit score, but also on several other data points about you. This means you may be able to obtain financing from Affirm even if don’t have an extensive credit history.
Yes, when you first create an Affirm account, Affirm performs a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.
Affirm loans vary between 0% APR and 30% APR simple interest. The corresponding finance charge is the only fee associated with an Affirm loan. Affirm does not charge late fees, service fees, prepayment fees, APR penalties or any other hidden fees for a late payment. They strive to always be more transparent and fair than any other form of financing.
Yes, there's no penalty for paying early.
No, checking your eligibility won't affect your credit score.
Yes, you can return an item you bought with Affirm by initiating the return process with Oracle Mobility.
Yes, you'll need a mobile phone number from the U.S. or U.S. territories. This helps us verify it's you who is creating your account and signing in.
You can learn more at www.affirm.com