Buy now pay later at Theory with Affirm: flexible payments with no late fees

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.

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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 affirm.com to set up AutoPay or easily make payments for your Theory purchase.

Shop now at Theory

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.

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Pay over time at thousands of brands

Shop at your favorite stores or discover someplace new with the Affirm app.

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, a $800 purchase could be split into 12 monthly payments of $72.21 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 an FDIC-insured bank. FDIC insurance covers accounts held with CRB in the event of a CRB failure. 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, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of U.S. territories. The one-time-use Affirm virtual card is issued by 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.