Pay over time for your most important purchases

Affirm offers easy financing – without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you’ll actually pay.

New Buy with Affirm at 0% APR at over 150 partner stores
These figures are estimates. Actual terms shown at checkout.

Quick and easy

Checkout is simple at any store that accepts Affirm. Just enter a few pieces of information for a real-time decision.

No hidden fees

Know upfront exactly what you'll owe, with no hidden costs and no surprises.

Safe & secure

Affirm connects directly to online stores. There’s no card number to steal, so your account stays secure.

You're in control

Pick a loan that fits your budget. You’ll make real progress every month, and at the end of your loan, you’re free and clear.

Shopping with Affirm is easy

After checkout, stores can process and ship your order immediately. We'll keep in touch and remind you of any upcoming payments. Pay however you'd like – debit card, bank transfer or personal check.

Buy what you love at a cost you understand

Make monthly payments at a rate between 10–30% APR based on your credit. What you see is what you'll pay—never a penny more.

For purchases under $50, Affirm only offers a 30-day payment option. For purchases between $50–$99.99, Affirm only offers 3 or 6-month payment options. The purchase amount you entered exceeds Affirm’s available loan limits.
$344.51/mo for 3 months
Interest (20% APR)
$176.52/mo for 6 months
Interest (20% APR)
$92.63/mo for 12 months
Interest (20% APR)
These figures are estimates. A down payment may be required.
“I had been saving up for some time to buy new bedroom furniture. Buying with Affirm and paying over the next few months, I was able to free up some cash and it let me breathe for a moment.”

Russell B.

Real people, real support

We have a dedicated team in San Francisco at Affirm HQ, ready to answer your questions and help out however we can.

Who is eligible to use Affirm?

Any United States resident 18 years or older (19 years old in Alabama or if you’re a ward of the state in Nebraska) is eligible to use Affirm.

How do I sign up for Affirm?

Select Affirm as your payment method while checking out online with any Affirm merchant partner. Just follow the easy sign up steps while you check out.

What information does Affirm require?

Your Affirm account is created using your name, email, mobile phone number, birthday and last 4 digits of SSN. This combination helps us verify and protect your identity.

How do I pay my bills?

You can pay your Affirm bills online at We accept payment by debit card, bank transfer and check.

Buy now, pay later—at your favorite stores

Download the Affirm app for iPhone or Android to split almost any online purchase into easy monthly payments. You’ll get a real-time decision with no hidden fees! You can also use the app to manage your Affirm payments on the go.