How Affirm Works

Buying with Affirm is simple

1. Fill your cart

When you’re done shopping, select Affirm at checkout.

2. Choose how you pay

Enter a few pieces of info for a real-time decision.

3. Pay over time

Make 4 payments every 2 weeks at affirm.com or in the Affirm app.
You’ll get email and text reminders.

Just select loading="lazy" at checkout

Say yes with confidence

When you buy with Affirm, you always know exactly what you'll owe and when you'll be done paying. Never pay more than the amount disclosed up front.

Transparent

With Affirm, there are no late fees, service fees, prepayment fees, or any hidden fees.

Simple

It only takes a moment, and checking your eligibility won't affect your credit score.

Fair

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

Payment options are offered by Affirm, are subject to an eligibility check, and may not be available in all states. Options depend on your purchase amount, and a down payment may be required. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681

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 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.