How Affirm Works

Pay at your own pace with Affirm

When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to pay over time—and never pay a penny more than you agree to on day one.  

Choose 3, 6, or 12 monthly payments

For example, a $700 purchase might cost $64/mo over 12 months at15% APR.

Buying with Affirm is simple

1. Fill your cart  2. Choose how you pay  3. Pay over time
Select Affirm at checkout, then enter a few pieces of info for a real-time decision. Pick the monthly payment plan you like best. You’ll never pay more than you agree to up front. Make payments at or in the Affirm app. You’ll get email and text reminders.

Just select  at checkout.

Buy with confidence

With Affirm, you always know exactly what you'll owe and when you'll be done paying. 

Transparent:  Affirm tells you up front the total amount you’ll pay. That number will never go up.
Flexible: You choose the payment schedule that works for you.
Fair: Affirm won’t charge you late fees or penalties of any kind, ever. 

Your rate will be 0-36% APR based on credit, and is subject to an eligibility check. For example, a $700 purchase might cost $63.18/mo over 12 months at 15% APR. Payment options through Affirm are provided by these lending partners: Options depend on your purchase amount and a down payment may be required.
See for details.

Want to learn more?
Check out Affirm's How it works and Affirm's Help Center