Why Affirm?

We started Affirm because credit cards aren’t working. They lure us in with perks, but end up costing a lot: The average U.S. household has $6,000 in credit card debt. With Affirm, you’ll never owe more than you agree to up front. Instead, you’ll always get a flexible, transparent, and convenient way to pay over time.

We keep it simple

Most credit cards charge compound interest. This is interest you pay based on your purchase and on the interest that’s already accrued. We charge simple interest. This means you only pay interest based on the cost of your purchase.

We never charge fees

You'll never pay late fees. Or annual fees. Or hey-it's-a-random-day-in-April fees.

We tell it like it is

With credit cards, the longer you take to pay off your balance, the more expensive your purchase becomes. With Affirm, you always know exactly what you'll owe and when you'll be done paying off your purchase.

Affirm is a better way to pay

One specifically designed to help you say yes to the things you want while keeping you out of unhealthy debt.

15% APR
Cost of itemInterest
Your monthly payment: $43.51
Our total price


Total interest: $11.04

Credit card

15% APR
Cost of itemInterestPotential fees
Your required minimum monthly payment ($25 or 3% of credit card balance): $25.00Months to pay off purchase: 12 months
Credit card total price


Total interest + fees: $48.00

With Affirm, you never pay more than you agree to up front. With a credit card, you owe more interest the longer you take to pay off your balance, in addition to other fees you may incur.

For illustrative purposes only.

Okay, so how do we make money then?

We earn a little bit from businesses we work with, and a little bit from shoppers, who pay interest on some purchases. Unlike credit card companies though, we don't depend on shoppers paying late or staying in debt. Instead, we try to give them a great experience so they come back and use Affirm again.

It’s all about you

We’re here to help you say yes. Yes to things like getting new shoes, or fixing the family van, or ziplining in Zion. Yes to the things that make your life easier and more enjoyable.


We tell you up front the total amount you’ll pay. That number will never go up.


You choose the payment schedule that works for you.


You’ll never pay late fees, penalties, or hidden interest, ever.

Have more questions?

We’ve got you.