Welcome to a new way to pay over time. Affirm lets you shop stress‑free, with no late fees and no surprises.

Fair

We won’t charge you late fees or penalties of any kind, ever.

Flexible

You choose the payment schedule that works for you.

Transparent

We tell you up front the total amount you’ll pay. That number will never go up.


Still Not Sure?

It's about helping you say yes

Yes to the things that will make your life easier, bring peace of mind, and protect what matters to you.

Yes isn't always easy

When you're trying to save for the future or meet financial goals, it can seem smarter to put off those bigger purchases. But sometimes, waiting can mean months, or years... or never.

Credit cards were supposed to help

As many of us learned the hard way, late fees, compounding interest, and penalties make it way too easy to spiral into debt - this is how credit cards companies make money.

Affirm is a better way to buy

One specifically designed to help you say yes to the things you want while keeping you out of unhealthy debt.


Check to see if you Prequalify

 

Select a product

Choose one of our products. Under the description you will see a link to prequalify now. Just click the link and fill out a few pieces of information for a real‑time decision.


Here’s how to buy with Affirm

 

STEP 1
 

Fill your cart

Choose one of our products. Select Affirm at checkout, then enter a few pieces of information for a real‑time decision.

STEP 2
 

Choose how to pay

Select the payment schedule you like best, then confirm your loan. We’ll never charge more than you see up front.

STEP 3
 

Make easy monthly payments

Just download the Affirm app or sign in at affirm.com. We’ll send you email and text reminders whenever a payment’s coming up.


Curious about your credit score?

Your credit score will not be affected when you check your eligibility, even though we perform a credit check. If you decide to buy with Affirm, your loan and payments may affect your credit score. Paying on time can help you build positive credit history.