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.
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.
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.