What you see is what you pay

When you buy with Affirm, there are no hidden fees. Instead, you get a simple, easy, transparent way to shop. Because when it comes to paying for your favorite things, there should be no surprises.

image of a yellow chair surrounded by various objects

How to buy with Affirm

Step 1

Fill your cart

Shop your favorite stores and then select Affirm at checkout. Enter a few pieces of information and get a real-time decision.

Step 2

Choose how to pay

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

Step 3

Make easy monthly payments

Download the Affirm app or sign in at affirm.com. We’ll send you email and text reminders so you never miss a payment.

Here's what you might pay

Choose the plan that works best for you.

$500.00

$100$5000

3 monthly payments
Total interest: $12.82
$170.94
Total cost: $512.82
6 monthly payments
Total interest: $22.24
$87.04
Total cost: $522.24
12 monthly payments
Total interest: $41.81
$45.15
Total cost: $541.80

Based on 15% APR. For illustrative purposes only.
See footer for details

Based on 15% APR. 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?

Accessories

Apparel

Auto

Beauty & health

Black-owned businesses

Electronics

Fitness & gear

Home & furniture

Luxury

Shoes

Travel

Wedding

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?

Need more info?

We’ve got you.

Help Center Why shop with Affirm?

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. Savings account is limited to six ACH withdrawals per month. 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.