How Affirm Works
Buying with Affirm is simple
1. Fill your cart
2. Choose how you pay
3. Pay over time
Just select 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.
With Affirm, there are no late fees, service fees, prepayment fees, or any hidden fees.
It only takes a moment, and checking your eligibility won't affect your credit score.
Affirm won't charge you late fees or penalties or any kind, ever.
Yes! There’s no penalty for paying early.
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.