Pay with Affirm, in-store or online, just about anywhere

With a virtual card, you can pay over time at more stores than you think. (Even if you don’t see them here on our site.) See footer for details.

How to create a virtual card

You can use it online or in-store. (Insert happy dance here.)

Download or open the Affirm app

Search for your store.

Create a virtual card

Don’t see it? Tap “Pay with a one-time use virtual card.”

Apply for a virtual card

Enter your approximate purchase amount for an immediate decision.

Add it to your digital wallet

Keep it handy for one-time use within 24 hours—in-store or online. See footer for terms.

Complete your purchase

Enter your virtual card number at checkout, just like you would any other card.

Download the app

More of a desktop shopper?

Create a virtual card using our browser extension instead.

Download the extension

Questions? We’re here to help.

How does the virtual card work?

How does Affirm affect my credit?

No fees, no gotchas, no regrets

We'll leave those to the other guys. When you pay over time with Affirm, what you see is what you pay.

Learn more about Affirm

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.