What you see is what you pay

When you buy with Affirm, there are no hidden fees. Instead, you get a simple, easy, transparent way to shop. Because when it comes to paying for your favorite things, there should be no surprises.

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How to buy with Affirm

STEP 1

Fill your cart

Shop your favorite stores and then select Affirm at checkout. Enter a few pieces of information and get a real-time decision.

STEP 2

Choose how to pay

Select the payment schedule that works for you, then confirm your loan. We’ll never charge more than you see up front.

STEP 3

Make easy monthly payments

Download the Affirm app or sign in at affirm.com. We’ll send you email and text reminders so you never miss a payment.

Here's what you might pay

Choose the plan that works best for you.

Based on 15% APR. For illustrative purposes only. See footer for details

Your rate will be 0-36% APR based on credit and is subject to an eligibility check. For example, a $700 purchase might cost $63.18/mo over 12 months at 15% APR. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount and a down payment may be required.

Ready to start shopping?

Accessories

Apparel

Auto

Beauty & health

Electronics

Questions? We’re here to help

Will Affirm affect my credit score?

Creating an Affirm account and seeing if you prequalify will not affect your credit score. If you decide to buy with Affirm, these things may affect your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you've used, and how long you’ve had credit.

Does Affirm charge interest and fees?

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.

What does it mean to prequalify?

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.

What if I don’t see Affirm at checkout?

Thousands of stores offer Affirm as a payment option at checkout. But if you don’t see us at checkout, you can still pay over time. Just download the Affirm app (or sign in at affirm.com), tell us where you’re shopping, and we’ll give you a one-time-use virtual card you can use to complete your purchase online or in stores. Then, pay us back over time.

How much will Affirm finance?

Affirm can be used for loans up to $20,000. For orders exceeding $20,000, customers have the option to make a down payment of up to $12,500, allowing for a maximum purchase amount of $30,000.

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