Buy now, pay later without the fees

Affirm is a smarter 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

Pay with Affirm anywhere

With a one-time-use virtual card, you can pay over time with us just about anywhere.

Get started

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. See footer for details.

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

Screenshot of Affirm UI to set-up your automatic payments

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

image of shoes and various objects on blue pedestals

Ready to start shopping?

image of sunglasses, bracelet, belt and bag

Accessories

image of clothes on rack, blue background

Apparel

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Auto

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Beauty & health

Black-owned businesses

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Electronics

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Fitness & gear

Image of green chair next to set table and gold lamp hanging from ceiling.

Home & furniture

image of dress shirt, watch, cufflinks, belt and sunglasses next to leather briefcase

Luxury

Shoes

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Travel

Wedding

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 0–36% APR based on credit, and is subject to an eligibility check. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. A down payment may be required. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. Affirm savings accounts are held with Cross River Bank, Member FDIC. 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. Debit+ Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Debit+ Visa® Debit Card pursuant to a license from Visa U.S.A. Inc. Debit+ is not available to residents of U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.