Pay over time starting at 0% APR.
Easy monthly payments with Affirm
When inspiration strikes, Affirm gives you payment options to suit your budget. Just select Affirm at checkout to pay over time for your purchase.
Just select **Affirm** at checkout
Get flexible monthly payment options.
For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR.
Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
Pick the plan that fits your budget. You'll never pay late or hidden fees.
Make payments at affirm.com or in the Affirm app. You’ll also get reminders by text and email.
Buy with confidence
With Affirm, you always know exactly what you’ll owe and when you’ll be done paying.
- Transparent You’ll never pay late fees, hidden fees, or annual fees. And never any compound interest, either.
- Flexible You choose the payment schedule that works best for you.
- Fair Affirm doesn’t charge late fees or hidden fees of any kind, ever.
Frequently Asked Questions
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 send you email and text reminders before payments are due.
Can I return an item I bought with Affirm?
Yes, you can return an item you bought with Affirm by initiating the return process with the store.
Does checking my eligibility affect my credit?
No, your credit won't be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it's considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm's Help Center.
Do I need a mobile number to use Affirm?
Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in.
Where can I learn more about Affirm?
You can visit their website at affirm.com.
Finance with PayPal Credit
**No Interest if paid in full in 6 months**
On qualifying purchases of **$99 or more** when you checkout with PayPal.
- **Qualifying Purchase:** Applies to a single transaction of $99 or more.
- **Interest is Deferred:** Pay the balance in full by the end of 6 months to avoid paying any interest.
- **Reusable Credit Line:** Once approved, you can use PayPal Credit on millions of sites that accept PayPal.
- **Simple Checkout:** Select PayPal at checkout, then choose PayPal Credit as your payment method.
*Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Minimum monthly payments required. Subject to credit approval. See PayPal Credit Terms for details.
🛒 Shop Pay Installments: Fast & Flexible
Lightning-Fast Checkout
Use your saved Shop Pay information to check out in one tap, and instantly apply for financing. **No tedious forms to fill out.**
Two Payment Options
Orders between **$35 and $30,000 USD** (or equivalent) are eligible for one of two flexible plans, powered by Affirm:
- **Option 1: Split into 4** (For most orders) — Four **interest-free** payments, billed every two weeks.
- **Option 2: Monthly Payments** (For larger orders) — Choose 3, 6, 12+ month plans with rates from 0–36% APR.
- **Always Transparent:** No hidden fees, no late fees, and no impact on your credit score to check eligibility.
- **Get it Now:** Your order ships immediately, just as if you paid in full!
*Payment options are offered by Affirm and are subject to an eligibility check. Options depend on your purchase amount and a down payment may be required. Monthly payment options may involve interest. For example, a $800 purchase could cost $72.21/mo over 12 months at 15% APR. **In the U.S., payment options are provided by Affirm's lending partners: affirm.com/lenders.
Synchrony Financing (Retail Credit Account)
**Special Promotional Financing Available!**
Take advantage of deferred interest on qualifying purchases.
- **Flexible Terms:** Ask for special financing periods like 6, 12, or 18 months.
- **No Interest Option:** You pay 0% interest *if* the full promotional balance is paid off before the term ends.
- **Reusable Account:** Once approved, use your credit line for future purchases on our site.
- **High-Value Purchases:** Perfect for financing your biggest purchases with manageable monthly payments.
*Synchrony financing is subject to credit approval. Minimum monthly payments required. See the Synchrony Financing Application and terms provided during the checkout process for full details on APR, minimum purchase amounts, and fees.
