Pay at your own pace starting at 0% APR

When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to split your purchase into monthly payments starting at 0% APR.

Choose 3, 6, or 12 monthly payments

  • 1. Open Invoice

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

  • 2. Choose how to pay

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

  • 3. Pay over time

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

Buy with confidence

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

Transparent

You choose the payment schedule that works for you.

Fair

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

Flexible

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

Rates from 0% APR or 10–36% APR based on credit, and is subject to an eligibility check. 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. See affirm.com/licenses for important info on state licenses and notifications.

FAQs

  • Yes! There’s no penalty for paying early.

  • 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.

  • Yes—you can return an item you bought with Affirm by initiating the return process with the store.

  • 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 customer Help Center.

  • 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.

  • You can visit their website at affirm.com.