Pay At Your Own Pace

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.

Buying with Affirm is Simple

1. Fill your Cart

  • Select Affirm at Checkout, then enter a few pieces of info for a real-time decision.

2. Choose how you pay

  • Pick the monthly payment plan you like best. You'll never pay more than you agree to up front.

3. Pay over time

  • Make payments at or in the Affirm app. You'll get email and text reminders.

Say yes with confidence

When you buy with Affirm, you always know exactly what you'll owe and when you'll be done paying. You'll never pay a hidden fee-or any fee, for that matter.
  • 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.


  • Can I pay off my purchase early?

    Yes! There’s no penalty for paying early.

  • How do I make my payments?

    You can make or schedule payments at or in the Affirm app for
    iOS or Android. Affirm will send you email and text reminders before
    payments are due.

  • Can I return an item I bought with Affirm?

    Yes—you can return an item you bought with Affirm by initiating the return
    process with the store.

  • Does checking my eligibility affect my credit score?

    No—your credit score won’t be affected when you create an Affirm account or
    check your eligibility. If you decide to buy with Affirm, this may impact your
    credit score. You can find more information in Affirm’s Help Center.

  • Do I need a mobile number to use Affirm?

    Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This
    helps Affirm verify it’s really you who is creating your account and signing in.

  • Where can I learn more about Affirm?

    You can visit their website at