Buy now, pay later without the fees

Affirm is the smartest 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.
Phone with UI
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.

Payment terms
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.

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. 1 payment every 2 weeks
    4 interest-free payments
    $125.00
    Total cost: $500.00
  2. 6 monthly payments
    Total interest at 15% APR: $22.10
    $87.02
    Total cost: $522.10
  3. 12 monthly payments
    Total interest at 15% APR: $41.55
    $45.13
    Total cost: $541.55

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.

image of shoes and various objects on blue pedestals

Need more info?

We’ve got you.

Questions? We’re here to help