Pay Over Time
When inspiration strikes, Affirm gives you payment options to suit your budget. Download the Affirm app to get prequalified.
Easy and flexible payment options with Affirm.
Get Flexible Payment Options
For example, a $5,500 purchase might cost $493.76/mo over 12 months at 15.0% APR.
1. Create Account
Create an account and get pre-qualified in real time.
2. Choose How to Pay
Pick the plan that fits your budget. You’ll never pay late or hidden fees.
3. Get Virtual Card
Make payments at affirm.com or in the affirm app. You’ll also get reminders via text and email.
Buy with confidence
With Affirm, you’ll always know exactly what you’ll owe and when you’ll be done paying.
Transparent
You’ll never pay late fees, hidden fees, or annual fees. And never any compound interest, either.
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. See affirm.com/licenses for important info on state licenses and notifications. The one-time-use Affirm virtual card is issued by Sutton Bank, Member FDIC, or Celtic Bank, pursuant to a license from Visa U.S.A. Inc.
FAQ’s
Can I pay off my purchase early?
Yes, there is 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 bought with Affirm?
Because every product we make is custom-built for your home, all sales are final, even when paid for with Affirm. This means we can’t accept returns once your order has entered production.
But you do have a Right to Cancel—you may cancel your order within 3 business days (or 5 business days in some states). If you cancel during this period, your Affirm financing will be canceled as well. Once this window closes, production on your custom order begins and cancellations can no longer be accepted.
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.