Affirm: How it Works

With Affirm, split purchases into 4 interest-free payments every two weeks or longer-term monthly payments.

When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to split your purchase info into 4 interest-free payments, or select a monthly installment plan over a time period that works best for you.

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

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

Pick the payment plan you like best. You'll never pay more than you agree to up front.

Make payments to 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 schedule that works best for you.

Fair

Affirm doesn't charge late fees or hidden fees of any kind, ever.

Rates from 0-36% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, 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 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 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