What is Affirm?
Affirm is a financing option that lets you buy what you love today and pay for it over time—on your terms. It's a simple, transparent, and flexible way to manage your purchases without hidden fees or surprises.
What are the benefits of using Affirm?
No Hidden Fees
You'll never pay more than you agree to at checkout. No late fees, no annual fees, and no hidden costs.
Flexible Payment Options
Choose from multiple payment plans that fit your budget—typically 3, 6, or 12 months (and sometimes longer, depending on the purchase amount).
Decision Within Seconds
Checking your eligibility is fast and simple—and won't affect your credit. You'll see your payment options at checkout.
Transparent Terms
You'll always know exactly what you'll owe before you commit. Affirm shows your total cost upfront, including any interest, so there are no surprises later.
Secure & Trusted
Affirm uses advanced encryption and security tools to protect your personal information and payment details.
How does Affirm work?
- Shop and add items to your cart.
- Select Affirm at checkout.
- Choose the payment plan that fits your budget.
- Complete your purchase and enjoy your items now while paying over time.
Does Affirm charge interest?
Some purchases qualify for 0% APR, while others may include a simple interest rate that is clearly shown before you buy. You'll always know your exact payment amount and total cost—no hidden interest or compounding charges.
Will using Affirm affect my credit?
No. Your credit won't be affected when you create an Affirm account or check your eligibility, including pre-qualification.
When you apply for or check whether you prequalify for Affirm financing, it is considered a soft inquiry, which does not affect your credit.
If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. Additional information is available through Affirm's Help Center.
When do I make my payments?
Affirm sends friendly reminders before each payment is due. You can easily manage or make payments online or through the Affirm app.
Can I pay off my loan early?
Yes. You can pay off your Affirm loan early at any time with no penalties or extra fees.
Where can I learn more?
Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check and are provided by lending partners. Options depend on your purchase amount, and a down payment may be required.
California residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license.
Example: An $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR.
To learn more, visit: affirm.com/disclosures