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.

Prequalify Now! or just select Affirm at checkout.

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 payment plan you like best and never pay more than the amount disclosure up front.

3. Pay over time

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

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

Transparent

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

Flexible

You choose the payment plan that works for you. Our smart checkout gives you options.

Fair

Affirm won’t charge you late fees or penalties of any kind, ever.

Rates from 0% APR or 10–36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% 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.

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 the store.

Does checking my eligibility affect my credit?

No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on 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