Say yes to a better workout

Welcome to a new way to pay over time. Affirm lets you shop stress‑free with no late fees and no surprises.

Learn more about us

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Here's how to buy with Affirm

Step 1

Fill your cart

Just select Affirm at checkout, then enter a few pieces of information for a real‑time decision.

Step 2

Choose how to pay

Select the payment schedule you like best, then confirm your loan. We’ll never charge more than you see up front.

Step 3

Make easy monthly payments

Just sign in at We’ll send you email and text reminders whenever a payment’s coming up. (Message and data rates may apply.)

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Curious about your credit score?

Your credit score will not be affected when you check your eligibility, even though we perform a credit check. If you decide to buy with Affirm, your loan and payments may affect your credit score. Paying on time can help you build positive credit history.

Why we’re here

Sometimes it just makes sense to buy now and pay later. But in a world of late fees, penalties, and compounding interest, it can feel like you’re stuck between two bad options: saying no to what you want, or giving in to unhealthy debt to get it.

Affirm is here to offer a better way to buy.

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