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.

Or select Affirm at checkout.

Buying with Affirm is Simple.

1. Fill Your Cart.

When you’re done shopping, select Affirm at checkout.

2. Complete Your Purchase

Enter a few pieces of info for a real-time decision.

3. Pay Over Time

Make 4 payments every 2 weeks 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
    Never pay more than the price of your purchase.

  • Flexible
    It only takes a moment, and checking your eligibility won’t affect your credit score.

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

Frequently Asked Questions

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

Payment options are offered by Affirm and are subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Service LLC are made or arranged pursuant to a California Finance Lender license. For licenses and disclosures, see