financing

Pay at your own pace with Affirm

When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to pay over time—and never pay a penny more than you agree to on day one.

Buying with Affirm is Simple

For example, a $1,200 purchase might cost $100/mo over 12 months at 0% APR.

1. Fill your cart

Select Affirm at checkout, then enter a few pieces of info for a real-time decision.

2. Choose how you pay

Pick the monthly plan you like best. You’ll never pay more than you agree to up front.

3. Pay over time

Make payments at affirm.com or in the Affirm app. We’ll send email and text reminders.

Buy with confidence

With Affirm, you always know exactly what you’ll owe and when you’ll be done paying.

Transparent Affirm shows the total cost up front. That number will never go up.

Flexible Choose the payment schedule that works for you.

Fair No late fees or penalties of any kind, ever.

0% Promo On orders over $500 when available. We pay a fee to offer 0% interest.

Your rate will be 0% APR or 10–36% APR based on credit, and is subject to an eligibility check. Payment options depend on your purchase amount, and a down payment may be required. Options are provided by Affirm and may vary by merchant. Learn more at affirm.com.

FAQs

Can I pay off my purchase early?

Yes! There’s no penalty for paying early.

How do I make my payments?

You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will also send reminders before payments are due.

Can I return an item I bought with Affirm?

Yes—start your return with ITC Quick Attach and we’ll follow our standard return process. Any changes will be reflected in your Affirm plan.

Does checking my eligibility affect my credit score?

Creating an Affirm account or checking eligibility won’t affect your credit score. If you decide to buy with Affirm, that may impact your credit score.

Do I need a mobile number?

Yes, a U.S. mobile number is required to help Affirm verify your identity and keep your account secure.

Where can I learn more?

Visit affirm.com for more information.

Get Approved for 0% Financing