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How Affirm Works

For example, an $800 purchase might cost $72.21/mo over 12 months at 15% APR.

1

Fill your cart

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

Add items to cart
2

Choose how to pay

Pick the plan that fits your budget. You’ll never pay late or hidden fees.

Choose payment plan
3

Pay over time

Make payments at affirm.com or in the Affirm app. We’ll send text/email reminders.

Make payments over time

Buy with confidence

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

Transparent

You’ll never pay late fees, hidden fees, or annual fees. No compound interest—ever.

Flexible

You choose the payment schedule that works best for you.

Fair

No late fees or hidden fees of any kind, ever.

FAQs

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 affirm.com 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. Initiate the return with Fraser, and your Affirm loan will be adjusted or canceled per the return amount.

Does checking my eligibility affect my credit?

No. Checking eligibility or prequalification is a soft inquiry and won’t affect your credit score. If you proceed with financing, your plan and repayment activity may be reported to credit bureaus.

Do I need a mobile number to use Affirm?

Yes, a U.S. mobile number is required to verify your account and sign in.

Where can I learn more about Affirm?

Visit affirm.com for full details.