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.

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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.

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Ready to start shopping?

Black-owned businesses

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. 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.