Buy Now, Pay Later without Fees

Affirm is the smartest 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: 

Option 1: Affirm Pay in 4

(no APR)

Option 2: Monthly payments

(APR applies)


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




Choose monthly installments. Perfect for big-ticket items.

  • No hidden fees - ever

  • What you see is what you pay

  • Set up easy, automatic payments


 How to check out with Affirm:

  1.  Add item(s) to your cart and select  affirm logoat checkout.
  2.  Enter your debit or credit card information.
  3.  Pay later in 4 installments. The first payment is taken when the order is processed and the remaining 3 are automatically taken every two weeks.

    Why Affirm?

    Affirm was started because credit cards aren’t working. They lure us in with perks, but end up costing a lot: The average U.S. household has $6,000 in credit card debt.

    With Affirm, you’ll never owe more than you agree to up front. Instead, you’ll always get a flexible, transparent, and convenient way to pay over time.

    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, 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.