Affirm | Buy now, pay later with no late fees or surprises

It’s better in the app

Online, in stores, wherever you love to shop—pay over time just about anywhere with the Affirm app.

Shop at thousands of stores

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Travel

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Electronics

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Home & furniture

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Auto

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Luxury

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Fitness & gear

Wedding

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Accessories

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Apparel

Shoes

Toys & games

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Beauty & health

Black-owned businesses

Walmart.com

Peloton E-commerce

As low as 0% APR

Amazon

Expedia Hotels & Vacation Packages

Pottery Barn

The RealReal

As low as 0% APR

Sony Electronics Inc.

Target

Overstock.com

As low as 0% APR

How to buy with Affirm

Step 1

Step 2

Step 3

Go shopping

Shop your favorite stores online or in-store and pay later with Affirm. You’ll see us at checkout, or you can request a virtual card in the Affirm app.

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This eligibility check won't affect your credit score. See footer for details.

As low as 0% APR

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Room & Board

As low as 0% APR

Casper

As low as 0% APR

Figs

As low as 0% APR

GOAT

As low as 0% APR

Dyson

As low as 0% APR

Joybird

As low as 0% APR

adidas

As low as 0% APR

Abt Electronics

As low as 0% APR

Featured stores

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Delta Vacations

Saks Fifth Avenue

Reverb

Mirror

Expedia Hotels & Vacation Packages

Molekule

As low as 0% APR

ThredUP

Intermix

The choice is clear

Late fees? Hidden charges? Sneaky fine print? No thanks, we’ll leave those to the credit card companies. At Affirm, we like to keep it real—and that means no fees, no gotchas, and no regrets.

Get prequalified Learn more

This eligibility check won't affect your credit score.

Trending stores

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Amazon

Expedia Hotels & Vacation Packages

Best Buy

eBay

Priceline

The Home Depot

Vrbo

Apple

Pay on the go, wherever you go

Download the Affirm app and discover a new way to pay over time almost anywhere.

Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0% APR or 10–36% APR based on credit, and is subject to an eligibility check. Affirm Pay-in-4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. A down payment may be required. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. Affirm savings accounts are held with Cross River Bank, Member FDIC. 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. Debit+ Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Debit+ Visa® Debit Card pursuant to a license from Visa U.S.A. Inc. Debit+ is not available to residents of New Mexico or U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.