How to pay

Take Affirm just about everywhere

You can find Affirm online, in-store, and in your wallet. We make it super simple to pay over time at all your favorite places.

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How to use Affirm

How payment plans work

Features

Icon grid

Pay in 4

Calendar icon

Monthly installments

Purchase amount

$50$1,000+

May differ by store

$50–$5,000+

May differ by store

Number of payments

4

3,6,12,18, 24, 36, and up to 60 months

Payment duration

Every 2 weeks

Monthly

Payment at checkout

Down payment may be required

Down payment may be required

Interest

Interest-free

0–36% APR

Fees?

Never

Never

Credit impact to apply?

None

None

Credit impact with a loan?

May impact if delinquent

May impact if loan is accepted or delinquent 

Options depend on your purchase amount and may vary by merchant.

Here's what you might pay

YOUR PURCHASE

$500.00

$100$5000
  • 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

How to make a purchase

Debit with a flex

Bring the power of Affirm to your wallet

The Affirm Card™ is an everyday debit card with two ways to pay. Use it to pay in full or request to pay over time in the app with no late fees or compound interest.

Apply and choose your payment plan

Pick the payment option that works for you—from 4 interest-free payments every 2 weeks to monthly installments.

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.

Get started with Affirm

Questions? We’re here to help

Visit the help center