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.

image of shoes, hair dryer, blender, stack of clothes and a potted plant atop blue pedestals, beige background

We keep it simple

Yes to the things that will make your life easier, more fulfilled, and more fun. The interview outfit. The trip of a lifetime. The new mattress for a good night’s sleep

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

$261.04

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

$298.00

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 commission from businesses, and shoppers pay interest on some items.

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.

illustration of person walking by door held by another person
Transparent

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

illustration of woman pointing to date on calendar with man sitting atop
Flexible

You choose the payment schedule that works for you.

illustration of two people on a see-saw
Fair

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

Need more info?

We’ve got you.