Big holiday joy, smaller payments

Give yourself more time to pay this season. Choose a plan and turn your holiday purchases into smaller, flexible payments. Sign up for free, then see your plan options with no impact to your credit.

Find plans that fit your budget

You’ll see different plan options depending on your purchase size and where you’re shopping.

Selected: Pay in 4, interest-free
See plans everywhere

Discover exclusive offers as low as 0% APR and more time to pay.

No fees, ever

Know what you owe before you commit, with no service fees or late fees.

No impact to your credit

See what you can spend and what plans are available with no credit impact.

Sweeten the season with Affirm

Sign up and pay with just a few pieces of info.

Sign up

The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust (Evolve) or Stride Bank, N.A. (Stride), Members FDIC, pursuant to licenses from Visa U.S.A. Inc. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve and/or Stride. Learn more. You must request and be approved to get the Card. Getting the Card does not guarantee the ability to pay over time. You must apply for pay-over-time plans for each purchase in the mobile app. If you apply for a loan before you use your card, your purchase amount must be $35+. For a purchase to be eligible for a loan after you use your card, it must be at least $50. Pay-over-time plans are subject to eligibility checks and are provided by affirm.com/lenders. For pay in full purchases, including purchases that are not approved for and matched to pay-over-time plans, you authorize one or more electronic debits from your linked bank account for up to the total amount of all pay in full purchases made on your Card since the last successful debit was initiated. Funds will pull from your linked bank account within 1-3 days of the purchase.

Your rate for pay-over-time plans will be 0%–36% APR based on credit. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant and may depend on whether your loan is applied for before or after your Card purchase. A down payment may be required. For example, an $400 purchase could be split into 12 monthly payments of $36.10 at 15% APR, or 4 interest-free payments of $100 every 2 weeks. Affirm availability and eligibility may vary. Restrictions apply. See affirm.com/terms#use.

CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.