How to pay

Take Affirm just about everywhere

You can find Affirm online, in-store, and in your wallet. We make it super simple to pay over time at all your favorite places.

person sitting down at a table eating a meal while browsing their phone

How to use Affirm

Choose Affirm at checkout

Just select Affirm at checkout when shopping at your favorite stores to see your payment options. Subject to eligibility.

Get started with Affirm

How payment plans work

Features	Pay in 4	Monthly installments
Purchase amount	$50–$1,000+ May differ by store	$50–$5,000+ May differ by store
Number of payments	4	3,6,12,18, 24, 36, and up to 60 months
Payment duration	Every 2 weeks	Monthly
Payment at checkout	Down payment may be required	Down payment may be required
Interest	Interest-free	0–36% APR
Fees?	Never	Never
Credit impact to apply?	None	None
Credit impact with a loan?	May impact if delinquent	May impact if loan is accepted or delinquent

Options depend on your purchase amount and may vary by merchant.

Here's what you might pay

YOUR PURCHASE

$500.00

$100$5000

1 payment every 2 weeks
4 interest-free payments
$125.00
Total cost: $500.00
6 monthly payments
Total interest at 15% APR: $22.10
$87.02
Total cost: $522.10
12 monthly payments
Total interest at 15% APR: $41.55
$45.13
Total cost: $541.55

For illustrative purposes only.
See footer for details

How to make a purchase

Debit with a flex

Bring the power of Affirm to your wallet

The Affirm Card™ is an everyday debit card with two ways to pay. Use it to pay in full or request to pay over time in the app with no late fees or compound interest.

Apply and choose your payment plan

Pick the payment option that works for you—from 4 interest-free payments every 2 weeks to monthly installments.

Make your payments

Manage your payments in the Affirm app or online, and set up AutoPay so you don’t miss a payment. But if you do, you’ll never pay any fees.

Get started with Affirm

Questions? We’re here to help

Will Affirm impact my credit score?

Am I eligible to use Affirm?

How do I pay Affirm back?

Where can I use Affirm?

How does Affirm make money?

What does purchasing power mean?

Visit the help center

Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0–36% APR based on credit, and is subject to an eligibility check. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. A down payment may be required. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. The Affirm Money Account is held with Cross River Bank (CRB), Member FDIC. Affirm is not an FDIC-insured bank. FDIC insurance covers accounts held with CRB in the event of a CRB failure. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681. The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of U.S. territories. The one-time-use Affirm virtual card is issued by Sutton Bank, Member FDIC, or Celtic Bank, pursuant to a license from Visa U.S.A. Inc. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.