A better way to pay

Affirm gives shoppers the flexibility to buy today and pay over time, with no late fees and no surprises.

Start shoppingFor businesses - Sell with Affirm
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Buying with Affirm is easy

Step 1
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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 your purchasing powerLearn more
Two smartphones displaying the Affirm app interface. One screen shows a virtual Affirm card with available spending balance, while the other displays a shopping dashboard with a search bar, recent store visits, and a promotional banner. The background is a solid yellow color.

More transparent than your credit card

Simple interest and no fees

We charge simple interest, not compound interest. And we don’t charge fees of any kind—not even late fees. So you’ll never pay more than you expect.

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This eligibility check won't affect your credit score.
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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, at a purchase price of $800 you could pay a down payment of $160 today, followed by 12 monthly payments of $57.77 at 15% APR or 4 interest-free payments of $200 every 2 weeks. The Affirm Money™ Account is held with Cross River Bank (CRB), Member FDIC. Affirm is not a bank. FDIC insurance covers accounts held with CRB in the event CRB fails. 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. The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust (Evolve), Member FDIC, pursuant to a license from Visa U.S.A. Inc. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve. Learn more. The Affirm Card is not available to residents of U.S. territories. The one-time-use Affirm virtual card is issued by CRB, Sutton Bank, Member FDIC, or Celtic Bank, pursuant to a license from Visa U.S.A. Inc. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.