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Pay over time at your favorite stores

Just select Affirm at checkout.

Pay over 3, 6, or 12 months

Choose the plan you like. Terms up to 36 months are available at select stores.

No surprises

You know exactly what you’ll owe. In fact, we don’t even charge late fees.

Fast and easy

Checking your eligibility won’t affect your credit score, and you’ll get a decision right away.

For a $500 purchase, here's what you might pay

3 months


Interest (20% APR): $18
Total: $518

6 months


Interest (20% APR): $30
Total: $530

12 months


Interest (20% APR): $57
Total: $557

Your rate will be between 0–30% APR

This is just an example. Subject to credit check. A down payment may be required.

0% APR at the stores you love

Pay over time starting at 0% APR at select partner stores.

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Shop our curated list of the best presents to make this season merry and bright.

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Where to pay with Affirm

Starting at 0% APR