What you see is what you pay
When you buy with Affirm, there are no hidden fees. Instead, you get a simple, easy, transparent way to shop. Because when it comes to paying for your favorite things, there should be no surprises.
Sign up![image of a yellow chair surrounded by various objects](http://images.ctfassets.net/4rc1asww3mw7/5s23QFQzHFJ6keP5vn520n/a3ad9fb7a44ef483844939e799b6bd76/hero_how-it-works.png?w=1168&q=80&fm=webp)
How to buy with Affirm
Step 1
Fill your cart
Shop your favorite stores and then select Affirm at checkout. Enter a few pieces of information and get a real-time decision.
![image of payment option at checkout with affirm- purple background](https://images.ctfassets.net/4rc1asww3mw7/j95kImnAijSZH73FYVvyq/02a1feb1b8039b6ebb1a3bc3c6b72a35/buy-with-affirm_01-desktop_2x.jpg?w=910&h=910&fl=progressive&q=85&fm=jpg)
Step 2
Choose how to pay
Select the payment schedule that works for you, then confirm your loan. We’ll never charge more than you see up front.
![buying with affirm payment options](https://images.ctfassets.net/4rc1asww3mw7/75nwCkXfRl6tewJ1jvx4ze/235b9890c5d495352dfd4e6a6f24a74f/buy-with-affirm_02-desktop_2x.jpg?w=910&h=910&fl=progressive&q=85&fm=jpg)
Step 3
Make easy monthly payments
Download the Affirm app or sign in at affirm.com. We’ll send you email and text reminders so you never miss a payment.
![Affirm monthly payments](https://images.ctfassets.net/4rc1asww3mw7/1bPXpN3aonADe2bipBopaD/554763c009c926803ffae9577918e021/buy-with-affirm_03-desktop_2x.jpg?w=910&h=910&fl=progressive&q=85&fm=jpg)
Just choose Affirm at checkout
![Walmart.com background](https://cdn-assets.affirm.com/vcn_buy/v1/merchants/X96ZPHNIR5GRHG1W/hero2019111308/hero_offer.png?width=576&format=jpg&quality=75)
![Walmart.com logo2](https://cdn-assets.affirm.com/vcn_buy/v1/merchants/X96ZPHNIR5GRHG1W/logo2019111308/logo_offer.png?width=128&format=jpg&quality=75)
Walmart.com
![Peloton E-commerce background](https://images.ctfassets.net/4rc1asww3mw7/1C5LfN4L7y99CT7uRKhM9R/802625d6e343beef3e4492a4c8ba474a/BIKE__ANITA_FLOOR_YOGA_WIDE_0017-1.jpg?w=300&h=200&fl=progressive&q=50&fm=jpg)
Peloton E-commerce
![Amazon background](https://cdn-assets.affirm.com/merchant/promos/A/hero2023011334/hero_51.png?width=576&format=jpg&quality=75)
![Amazon logo2](https://cdn-assets.affirm.com/merchant/promos/a/logo2023030106/Amazon_logo_224x224.png?width=128&format=jpg&quality=75)
Amazon
Browse today's deals!
![Expedia Hotels & Vacation Packages background](https://cdn-assets.affirm.com/merchant/promos/3CB741ZCDI7ND66P/hero2023051710/hero_8.png?width=576&format=jpg&quality=75)
![Expedia Hotels & Vacation Packages logo2](https://cdn-assets.affirm.com/omnichannel_checkout/HTTTWG7RCHZAOERJ/logo/Packages_140x140_Icon_logo.png?width=128&format=jpg&quality=75)
Expedia Hotels & Vacation Packages
Flight + Hotel Packages under $499 per person.
![Pottery Barn background](https://cdn-assets.affirm.com/merchant/promos/NJUT88CFF7H7SR5W/hero2021071650/hero_10.png?width=576&format=jpg&quality=75)
![Pottery Barn logo2](https://cdn-assets.affirm.com/vcn_buy/v1/merchants/NJUT88CFF7H7SR5W/logo_20190712141348/logo.png?width=128&format=jpg&quality=75)
Pottery Barn
As low as 0% APR
![The RealReal background](https://cdn-assets.affirm.com/merchant/promos/7H0H2PN1QC5KIQW3/hero2023110734/TRR-holiday-hero-2023.png?width=576&format=jpg&quality=75)
![The RealReal logo2](https://cdn-assets.affirm.com/vcn_buy/v1/merchants/7H0H2PN1QC5KIQW3/logo_20190710131052/logo.png?width=128&format=jpg&quality=75)
The RealReal
As low as 0% APR
Sign Up and Get a $25 Site Credit!
![Sony Electronics Inc. background](https://cdn-assets.affirm.com/vcn_buy/v1/merchants/5EJBTMBNJK4USL4F/hero2022062948/hero.jpg?width=576&format=jpg&quality=75)
![Sony Electronics Inc. logo2](https://cdn-assets.affirm.com/merchant/promos/5EJBTMBNJK4USL4F/logo2022062905/logo.jpg?width=128&format=jpg&quality=75)
Sony Electronics Inc.
As low as 0% APR
As Low As 0% APR
![Target background](https://cdn-assets.affirm.com/merchant/promos/5CHTV8MOBVHDJRYD/hero2023012518/huntington-beach-east-target-store-T2051-exterior-hero.jpg?width=576&format=jpg&quality=75)
![Target logo2](https://cdn-assets.affirm.com/vcn_buy/v1/merchants/7U4QKHI3UHU0Y33C/logo2020081144/logo1.png?width=128&format=jpg&quality=75)
Target
Up to 50% off Select Toys.
![Overstock.com background](https://cdn-assets.affirm.com/merchant/promos/05FD57Y4YZZ11VE0/hero2022021420/presidents_day_hero.png?width=576&format=jpg&quality=75)
![Overstock.com logo2](https://cdn-assets.affirm.com/merchant/promos/a/logo2024031800/logo_bbb1.png?width=128&format=jpg&quality=75)
Overstock.com
As low as 0% APR
Up to 70% off 1000s of items