Buy now, pay later at Theory

Shop the latest fashion from Theory, and pay over time with Affirm. You’ll get all the style without the hidden fees. See footer for details.

Image of clothes on a rack
Theory logo

How to use financing with Affirm at Theory

1. Shop at Theory

When you’re ready to check out at Theory, just select Affirm as your payment method. Enter a few pieces of information and get a real-time decision.

2. Choose how to pay at Theory

Select the payment schedule that works for you. 

3. Make simple and easy payments

Download the Affirm app or sign in at to set up AutoPay or easily make payments for your Theory purchase.

For illustrative purposes only. See footer for details.

Why it’s smarter to shop Theory with Affirm

When you shop at Theory with Affirm, you’ll never pay more than what you see up front. Unlike most credit cards, we charge simple interest, not compound interest. Plus, there are no late fees, hidden fees, or just because fees.