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.

Woman holding phone

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.

This eligibility check won't affect your credit score. See footer for details.
Affirm app on a mobile phone
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.

Sample payment plan with Affirm
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.

sample payment plan with Affirm

Use Affirm here—and there

Here's what you might pay



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

For illustrative purposes only. See footer for details

image of shoes and various objects on blue pedestals

Need more info?

We’ve got you.

Questions? We’re here to help