Buy now, pay later without the 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.
Say yes with confidence
When you buy with Affirm, you always know exactly what you'll owe and when you'll be done paying. You’ll never pay a hidden fee—or any fee, for that matter.
Never pay more than the price of your purchase.
It only takes a moment, and checking your eligibility won’t affect your credit score.
Affirm won’t charge you late fees or penalties of any kind, ever.
Payment options are offered by Affirm, are subject to an eligibility check, and may not be available in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.
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.
Does checking my eligibility affect my credit score?
No—checking your eligibility won't affect your credit score.
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.
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.