Buy now, pay later without the fees
Affirm is a smarter way to pay over time. Shop pretty much anywhere and pay at your own pace without any fees, so you can get the things you love without breaking your budget.
The choice is yours
Affirm Pay in 4
Make 4 interest-free payments every 2 weeks. Great for everyday purchases.
- No interest or fees
- No impact on your credit score
- Set up easy, automatic payments
Monthly payments
Choose monthly installments. Perfect for big-ticket items.
- No hidden fees—ever
- What you see is what you pay
- Set up easy, automatic payments
Pay with Affirm anywhere
With a one-time-use virtual card, you can pay over time with us just about anywhere.
How to buy with Affirm
STEP 1
Go shopping
Shop your favorite stores online or in-store and pay later with Affirm. You’ll see us at checkout, or you can request a virtual card in the Affirm app.
This eligibility check won’t affect your credit score. See footer for details.
STEP 2
Choose your payment terms
You’re in control. Pick the payment option that works for you and your budget—from 4 interest-free payments every 2 weeks to monthly installments.
STEP 3
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.
Will Affirm affect my credit score?
Creating an Affirm account and seeing if you prequalify will not affect your credit score. If you decide to buy with Affirm, these things may affect your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you’ve used, and how long you’ve had credit.
Does Affirm charge interest and fees?
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.
Interest – Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.
What does it mean to prequalify?
When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase.
What if I don’t see Affirm at checkout?
Thousands of stores offer Affirm as a payment option at checkout. But if you don’t see us at checkout, you can still pay over time. Just download the Affirm app (or sign in at affirm.com), tell us where you’re shopping, and we’ll give you a one-time-use virtual card you can use to complete your purchase online or in stores. Then, pay us back over time
Pay on the go, wherever you go
Download the Affirm app and discover a new way to pay over time almost anywhere.
Questions? We’re here to help
Will Affirm affect my credit score?
Creating an Affirm account and seeing if you prequalify will not affect your credit score. If you decide to buy with Affirm, these things may affect your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you’ve used, and how long you’ve had credit.
Does Affirm charge interest and fees?
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.
Interest – Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.
What does it mean to prequalify?
When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase.
What if I don’t see Affirm at checkout?
Thousands of stores offer Affirm as a payment option at checkout. But if you don’t see us at checkout, you can still pay over time. Just download the Affirm app (or sign in at affirm.com), tell us where you’re shopping, and we’ll give you a one-time-use virtual card you can use to complete your purchase online or in stores. Then, pay us back over time