Affirm Financing

Buy now, pay later without the fees

Affirm is the smartest way to pay over time. Shop and pay at your own pace without any fees, so you can get the things you love without breaking your budget.

Pay at your own pace

When you buy with Affirm, you always know exactly what you’ll owe and when you’ll be done paying. There are no hidden fees—not even late fees.

 

The choice is yours

Affirm Pay in 4

Make 4 interest-free payments every 2 weeks. Great for everyday purchases.

  • No interest or fees

  • No impact on your credit score

  • Set up easy, automatic payments

 

Monthly payments

Choose monthly installments. Perfect for big-ticket items.

  • No hidden fees—ever

  • What you see is what you pay

  • Set up easy, automatic payments


How to buy with Affirm

STEP 1

Go shopping

Shop your favorite stores online or in-store and pay later with Affirm. You’ll see us at checkout, or you can request a virtual card in the Affirm app.

 

STEP 2

Choose your payment terms

You’re in control. Pick the payment option that works for you and your budget—from 4 interest-free payments every 2 weeks to monthly installments.

 

STEP 3

Make your payments

Manage your payments in the Affirm app or online, and set up AutoPay so you don’t miss a payment. But if you do, you’ll never pay any fees.

 

 

Payments on Affirm.com

You can review your latest purchases and settle your monthly statement at any time by logging into your Affirm account at www.affirm.com.

Safe and Secure

We use modern safeguards and security to protect your information and prevent unauthorized purchases. Zero Fraud Liability with Affirm’s Buyer Protection policy.

About Affirm

Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0–30% APR based on credit, and is subject to an eligibility check. For example, a $800 purchase could be split into 12 monthly payments of $73 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. Options depend on your purchase amount, may vary by merchant, and a down payment may be required. Affirm savings accounts are held with Cross River Bank, Member FDIC. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.