Lending (e.g., payment plans)

Your rate for pay-over-time plans will be 0–36% APR. Affirm Pay in 4 payment option is 0% APR. Payment options through Affirm are subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. For example, at a purchase price of $400 you could pay a down payment of $80 today, followed by 12 monthly payments of $28.88 at 15% APR or 4 interest-free payments of $100 every 2 weeks. Affirm availability and eligibility may vary. Restrictions apply. See affirm.com/terms#use

Payment options through Affirm are provided by these lending partners: affirm.com/lenders. For licenses and disclosures, including information for New Mexico residents, see affirm.com/licenses. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license.

Purchasing Power

Purchasing Power is an estimate of how much you can spend through Affirm. It can change based on your credit and where you shop. Your purchasing power is not always the exact amount you can borrow because it may include a down payment.

Rates from 0-36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Affirm availability and eligibility may vary. Restrictions apply. See affirm.com/terms#use. Estimated payment amount may exclude taxes and shipping. For licenses and disclosures, including information for New Mexico residents, see affirm.com/licenses. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license.

For more information, see Help Center.

Affirm Card

The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust (Evolve) or Stride Bank, N.A. (Stride), Members FDIC, pursuant to licenses from Visa U.S.A. Inc. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve and/or Stride. Learn more. You must request and be approved to get the Card. Getting the Card does not guarantee the ability to pay over time. You must apply for pay-over-time plans for each purchase in the mobile app. Pay-over-time plans are subject to eligibility checks and are provided by affirm.com/lenders. For pay in full purchases, including purchases that are not approved for and matched to pay-over-time plans, you authorize one or more electronic debits from your linked bank account for up to the total amount of all pay in full purchases made on your Card since the last successful debit was initiated. Funds will pull from your Affirm Money Account, or external linked bank account within 1-3 days of the purchase.

Your rate for pay-over-time plans will be 0%–36% APR based on credit. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, may depend on whether your loan is applied for before or after your Card purchase. A down payment may be required. Affirm availability and eligibility may vary. Restrictions apply. See affirm.com/terms#use. Estimated payment amount may exclude taxes and shipping. For licenses and disclosures, including information for New Mexico residents, see affirm.com/licenses. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license 60DBO-111681.

For more information, see https://www.affirm.com/card.

Affirm Money Account

Affirm is not a bank. The Affirm Money Account is issued by Cross River Bank (CRB), Member FDIC, and is insured up to the federal limit of $250,000. The federal limit applies to all money held by you at CRB, and FDIC insurance will only cover the failure of CRB. The Annual Percentage Yield (APY) is effective as of 09/25/2025 and may change at any time after account opening. No minimum balance is required to open an account or receive the advertised APY. Early access to direct deposit funds depends on the timing of the payment file from the payer and is not guaranteed.

For more information, see https://www.affirm.com/money.

Affirm on Apple Pay

Rates from 0-36% APR. For example, a $300 purchase might cost $27.08/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Affirm availability and eligibility may vary. Restrictions apply. See affirm.com/terms#use. For licenses and disclosures, including information for New Mexico residents, see affirm.com/licenses. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license.

Paying over time on Apple Pay: Loans not offered by Apple. Subject to eligibility requirements and approval. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Available in-store on iPhone, and online and in-app on iPhone or iPad. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see https://support.apple.com/120477.

The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust (Evolve) or Stride Bank, N.A. (Stride), Members FDIC, pursuant to licenses from Visa U.S.A. Inc. See your issuer in Card Settings in the app. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve and/or Stride. Learn more.

For more information, see https://www.affirm.com/wallet/applepay.

Shop Pay Installments

The estimated payment amount excludes taxes and shipping. Rates from 0-36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. More options may be available upon approval. State notices to consumers: affirm.com/licenses.