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.

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How to use Affirm

How payment plans work

Features

Icon grid

Pay in 4

Calendar icon

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. If you decide to pay with installments through Affirm, your payments may be reported to credit bureaus.

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

Pay just about anywhere

Look for the Affirm logo at checkout. Didn’t see it? You can request a one-time-use virtual card in the Affirm app or learn how the Affirm Card™ works.

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.

Phone highlighting card info in Affirm.
Choose your payment plan
Make your payments

Get started with Affirm

Questions? We’re here to help

Visit the help center