How Affirm Works

Buying with Affirm is simple

1. Fill your cart

When you’re done shopping, select Affirm at checkout.

2. Choose how you pay

Enter a few pieces of info for a real-time decision.

3. Pay over time

Make your payments at affirm.com or in the Affirm app. You’ll get email and text reminders

Just select Affirm at checkout if interested

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Say yes with confidence

When you buy with Affirm, you always know exactly what you'll owe and when you'll be done paying. You’ll never pay a hidden fee—or any fee, for that matter.

Transparent

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

Flexible

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.

Frequently Asked Questions

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 affirm.com 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 customer service.

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 affirm.com.

Rates from 0–36% 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. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR or 4 interest free payments of $200 every 2 weeks.