WHAT IS AFFIRM?
Affirm strives to keep you out of unhealthy debt by facilitating fair, transparent credit so you can pay over time for the things you love. We offer affordable monthly payments at a pace you choose—usually 3, 6, or 12 months—so you're in control. From day one, you know how long you'll pay, and you know how much you'll pay because we never charge late fees or other hidden fees.
INSTALLMENTS OVER 3, 6, OR 12 MONTHS
At partner stores, you can choose Affirm as a payment method during checkout and seamlessly apply for a loan to pay for your items right then. You can choose to spread your payments out, typically over 3, 6, or 12 months (or more), to pay for your purchase with manageable payments that work with your budget.
For example, on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR.
Your rate will be 0% APR or 10-36% APR, based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.
4 INTEREST-FREE PAYMENTS
Depending on the merchant and your order value, you can make 4 equal payments, every two weeks, so you pay your purchases off quickly with no impact on your credit.
To pay with Affirm at other merchants, you can apply for a loan at affirm.com or in the Affirm app, and you'll get a virtual card you can use at most stores, both online and in brick-and-mortar stores. It works like a credit card—just choose to pay by credit card at checkout, then enter your virtual card number.
AFFIRM SAVINGS ACCOUNT
Affirm also works with Cross River Bank, Member FDIC, to provide interest-bearing savings accounts, available from the Affirm app, with no minimum deposit requirements and no fees. After you securely link your bank account to your Affirm savings, you can transfer money into your account. However, you may not make more than six withdrawals or transfers from your account during any monthly statement cycle.
INTEREST AND NO FEES
We don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.
Your APR may be different depending on your creditworthiness and where you are shopping. The exact terms that apply to your purchase will be given when you check out with Affirm.
At checkout, Affirm always shows the total amount of interest you’ll pay and you will never be charged more than that. This way, you always know what you’re getting into. If you pay faster than agreed, you might be charged less!
With Affirm, there are no late fees, service fees, prepayment fees, or any hidden fees.
Interested in paying over time? Learn how to create an account, prequalify, or make a purchase.