Pay over time with rates from 0% APR
When inspiration strikes, Affirm gives you payment options to suit your budget. Just select Affirm at checkout to pay over time for your purchase
Buy with confidence
With Affirm, you always know exactly what you'll owe and when you'll be done paying.
Affirm tells you the total amount you'll pay up front. That number will never go up.
You choose the payment schedule that works best for you.
Affirm doesn't charge late fees or hidden fees of any kind, ever.
Get flexible monthly payment options
For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR
1. Fill your cart
Select Affirm at checkout, then enter a few pieces of info for a real-time decision
2. Choose how to pay
Pick the monthly payment plan you like best. You'll never pay more than you agree to up front.
3. Pay over time
Make payments at affirm.com or in the Affirm app. You'll also get reminders by text and email.
Just select
at checkout
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.
Common FAQs
View AllYes! You can make extra payments or pay off your purchase in full at any time with no prepayment fees or penalties.
You can make payments at affirm.com or in the Affirm app. You'll also get reminders by text and email before each payment is due.
Yes. Returns work the same way whether you pay with Affirm or another method. Once the Bobcat Company processes your return, Affirm will adjust your loan accordingly.
No. Checking your eligibility with Affirm uses a soft credit check that won't affect your credit score. A hard check may occur if you proceed with a loan.
Yes, a U.S. mobile number is required to create an Affirm account. Affirm uses your mobile number for identity verification and payment reminders.
Visit affirm.com for more information about how Affirm works, eligibility requirements, and available payment options.