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Buying with Affirm is easy.

Easy checkout

Just select Affirm and enter a few pieces of information for a real-time decision.

Pay over time

Split your purchase into 3 or 6 easy monthly payments.

No extra fees

You won’t find any costs buried in fine print, not even late fees.

Payment notifications

Affirm sends email and SMS reminders before your upcoming payment is due.

Pay over time, on your terms.

We currently offer 0% APR on all purchases through Affirm, which means that there will be no added cost to you for the duration of your loan. Example: For a $300 purchase, you could pay $50/mo for 6 months at 0% APR. A down payment may be required.

Frequently asked questions

Affirm FAQs

What is Affirm?
Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers real-time financing for online purchases to be paid in fixed monthly installments over 3 or 6 months.
Why buy with Affirm?
  • Buy and receive your purchase right away, and pay for it over several months. This payment option allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget.
  • If Affirm approves your loan, you'll see your loan terms before you make your purchase. See exactly how much you owe each month, the number of payments you must make, and the total amount of interest you'll pay over the course of the loan. There are no hidden fees.
  • The application process is secure and real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you're approved for, the interest rate, and the number of months that you have to pay off your loan - all within seconds.
  • You don't need a credit card to make a purchase. Affirm lends to the merchant directly on your behalf.
  • You may be eligible for Affirm financing even if you don't have an extensive credit history. Affirm bases its loan decision not only on your credit score, but also on several other data points about you.
  • Affirm reminds you by email and SMS before your upcoming payment is due. Enable Autopay to schedule automatic monthly payments on your loan.
What is required to have an Affirm account?
To sign up for Affirm, you must:
  • Be 18 years or older (19 years or older in Alabama or if you're a ward of the state in Nebraska).
  • Provide a valid U.S. or APO/FPO/OPO home address.
  • Provide a valid U.S. mobile or VoIP number and agree to receive SMS text messages. The phone account must be registered in your name.
  • Provide your full name, email address, date of birth, and the last 4 digits of your social security number to help us verify your identity.
How does Affirm work?
Affirm loan-application process steps:
  1. At checkout, choose Pay with Affirm.
  2. Affirm prompts you to enter a few pieces of information: Name, email, mobile phone number, date of birth, and the last four digits of your social security number. This information must be consistent and your own.
  3. To ensure that you're the person making the purchase, Affirm sends a text message to your cell phone with a unique authorization code.
  4. Enter the authorization code into the application form. Within a few seconds, Affirm notifies you of the loan amount you're approved for, the interest rate, and the number of months you have to pay off your loan. You have the option to pay off your loan over three or six months. Affirm states the amount of your fixed, monthly payments and the total amount of interest you'll pay over the course of the loan.
  5. To accept Affirm's financing offer, click Confirm Loan and you're done.

After your purchase, you'll receive monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment. Your first monthly payment is due 30 days from the date that we (the merchant) process your order.
Does Affirm do a credit check, and how does it impact my credit score?
Affirm does a "soft" credit check, which verifies the customer's identity but does not affect a customer's credit score. Affirm's underwriting model does not use a hard credit check. There is no effect on a consumer's credit score when they apply for an Affirm loan.
Why can't customers outside the U.S. use Affirm?
Affirm is available only to shoppers residing in the United States. Affirm hopes to expand its services to customers outside the U.S. in the future.

Affirm payment subject to credit check and approval. A down payment may be required. Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. See affirm.com/faqs for details, or email Affirm directly at help@affirm.com.