How Does Affirm Work?


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.

Just select Affirm at Checkout   

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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

Just select Affirm at Checkout   

Buy with Confidence

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


Affirm tells you up front the total amount you’ll pay. That number will never go up.


You choose the payment schedule that works for you.


Affirm won’t charge you late fees or penalties of any kind, ever

 0% APR financing available with Affirm

As an example a $3,000 purchase might cost $250/month over 12 months at 0% APR

Rates from 0% APR or 10-36% APR. For example, a $3000 purchase might cost $271/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. See for important info on state licenses and notifications.

Estimated payment amount excludes taxes and shipping.

Payments through Affirm are not available for purchases under $1,700

See for more details.