Modern Consumer Financing

Affirm lets online shoppers split up purchases into monthly installments. Our consumer-friendly financing increases conversions and AOV.

  • Increase average order value

    Splitting a purchase into monthly payments gives your customers buying flexibility and that drives larger baskets. Whether your AOV is $25 or $2500, Affirm delivers greater revenues.

  • Boost checkout conversion

    With just a few personal details, customers can check out instantly, no cumbersome credit card input needed. Affirm’s streamlined purchase experience is especially valuable for mobile visitors.

  • Reach and delight Millennial buyers

    Affirm looks beyond FICO scores to serve many consumers that traditional financing serves poorly. This includes Millennials, most of whom prefer debit to traditional credit cards.

  • Guaranteed purchases, fast settlement

    Affirm guarantees all purchases and settles directly with merchants after order confirmation. We take on 100% of the repayment and buyer fraud risk so merchants can focus on more important things.

Our customers can now shop our newly stocked, one-of-a-kind inventory as it becomes available, then pay for it at a more convenient time. Plus, Affirm guarantees every payment, so it’s risk free – a win-win scenario for both Twice and our customers.
Chris Luhur
Director of Marketing,

How Affirm financing works

Affirm's innovative financing allows consumers to pay for items in monthly installments with a simple, transparent fee and without the hassle or complexity of revolving credit.

  1. Customer purchases with Affirm during checkout
  2. Merchant captures and processes order
  3. Affirm settles the full amount with Merchant
  4. Affirm services the loan directly with Customer

Buying with Affirm is simple & beautiful

The customer experience is critical to us. Regardless of how your customers choose to visit, shop, and buy from you, their purchase experience will be enjoyable and complementary to your brand.

Available on the following platforms

Integration is simple (really)

Our APIs are best-in-class and designed for straightforward, reliable integration.

View Documentation

Real people, real support

We have a dedicated team in San Francisco at Affirm HQ, ready to answer your questions and help out however we can.

  • How do I get paid by Affirm?

    Affirm pays merchants in full on a daily rolling basis for captured transactions. You don’t have to wait for customers to pay Affirm.

  • What happens if my customers don’t pay?

    Simply put, nothing. Affirm assumes the credit risk from your customers and pays you in full as soon as the transaction is captured.

  • How hard is Affirm to integrate on my website?

    Affirm exposes simple Javascript and REST APIs to enable easy integration into your website. We also have extensions for major platforms like Magento, Spree and more.

  • How do I inform my customers about Affirm?

    Affirm offers a wide selection of promotional banners and assets to use on your site. We’ll work with you to find the best financing promotion strategy to maximize your sales.

Let's work together

Affirm is accepting new merchant partners. We would love to talk about how we can boost your business.