Pay at Your Own Pace Starting at 0% APR

Invest in your future with a customized payment plan. Select Affirm at checkout to split your purchase into convenient monthly payments starting at 0% APR with no hidden fees.

Invest in your future without breaking the bank. You can pay upfront or spread out the cost with convenient monthly payments. With Affirm, there is no hard credit check and you can customize your payment schedule to match your budget. Choose from various plans and down payment options, and then use the easy mobile app to manage your account, pay bills, and more!

Choose 3, 6, or 12 Monthly Payments

1. Fill Your Cart

Select Affirm at checkout, then enter a some basic info for a real-time decision.

2. Choose How You Pay

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

3. Pay Over Time

Make payments to or in the convenient Affirm app. You’ll get email and text reminders.

Just Select Affirm at Checkout

Pay at your own pace starting at 0% APR

Buy with Confidence

Affirm tells you up front the total amount you’ll pay. That number will never go up.

You choose the payment schedule that works for you.

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

Rates may vary from 0% APR or 10–36% APR. Payment options through Affirm are subject to a quick eligibility check (that does NOT affect your credit) and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. See for important info on state licenses and notifications.

Payment Plan FAQ

Can I pay off my purchase early? Answer

Yes! There’s no penalty for paying early.

How do I make my payments? Answer

You can make or schedule payments at or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

Does checking my eligibility affect my credit score? Answer

No—your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in Affirm’s customer Help Center.

Do I need a mobile number to use Affirm? Answer

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? Answer

You can visit their website at

Choose Your Certification