Pay at Your Own Pace with Affirm

Buy now, pay over time with no late fees or surprises.

Just Select Affirm at Checkout

When inspiration strikes, Affirm helps you say yes without giving up financial control

Buying with Affirm is simple. Select Affirm checkout to pay over time - and never pay a penny more than you agree to on day one.

Fill your Cart

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

Complete Your Purchase

Affirm will give you a one-time-use virtual card to type in at checkout.

Pay Over Time

Make payments at or in the Affirm app. You’ll get email and text reminders.

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.

How to Use Affirm to Shop In-Store

Step 1:

Go to to get started.

Step 2:

At a participating store, head to the register and enter your purchase total.

Step 3:

Select payment terms and redeem your virtual card to complete your purchase. Make payments at or in the Affirm app.

Rates from 0-30% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, may not be available in all states, and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.


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