Buy now, pay later without the fees

Affirm is the smartest way to pay over time. Shop pretty much anywhere and pay at your own pace without any fees, so you can get the things you love without breaking your budget.

Guy looking at his phone while buying shoes

The choice is yours

Affirm Pay in 4

Make 4 interest-free payments every 2 weeks. Great for everyday purchases.

No interest or fees
No impact on your credit score
Set up easy, automatic payments

Monthly payments

Choose monthly installments. Perfect for big-ticket items.

No hidden fees—ever
What you see is what you pay
Set up easy, automatic payments

How to buy with Affirm

Step 1

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.

Get prequalified

This eligibility check won’t affect your credit score.

Step 2

Choose your payment terms

You’re in control. Pick the payment option that works for you and your budget—from 4 interest-free payments every 2 weeks to monthly installments.

Step 3

Make your payments

Manage your payments in the Affirm app or online, and set up AutoPay so you don’t miss a payment. But if you do, you’ll never pay any fees.

Download the app

Use Affirm here—and there

Here's what you might pay

$500.00

YOUR PURCHASE

$100$3000

1 payment every 2 weeks
4 interest-free payments
$125.00
Total cost: $500.00
6 monthly payments
Total interest at 15% APR: $22.10
$87.02
Total cost: $522.10
12 monthly payments
Total interest at 15% APR: $41.55
$45.13
Total cost: $541.55

For illustrative purposes only. See footer for details

Your rate will be 0% APR or 10–30% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners. Options depend on your purchase amount, up to $17,500, and a down payment may be required.

image of shoes and various objects on blue pedestals

Ready to start shopping?

Black-owned businesses

Need more info?

We’ve got you.

Help Center Why shop with Affirm?

Questions? We’re here to help

Will Affirm affect my credit score?

Does Affirm charge interest and fees?

What does it mean to prequalify?

What if I don’t see Affirm at checkout?

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 0–30% APR based on credit, and is subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. Affirm savings accounts are held with Cross River Bank, Member FDIC. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. 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.