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How it Works - Affirm

MAKE EASY MONTHLY PAYMENTS OVER 3, 6, OR 12 MONTHS*

BUY NOW, PAY LATER WITH AFFIRM

HOW IT WORKS

1. Select Affirm at Checkout

Add your item to your cart as usual, and select Affirm as your payment method.

2. Pay Over Time

Select a 3, 6, or 12-month plan. For example, on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR.

3. Enjoy Your Purchase

Once you complete your checkout with Affirm, we'll process and ship your order right away-no waiting necessary!

Real Time Decision

Applying for Affirm financing is quick and easy—simply provide a few details about yourself and get a real-time decision so you can purchase what you love now and pay over time.

Stress-Free Checkout

Affirm only performs a soft credit check, which won't affect your credit score. And, on-time payments with Affirm can help you build a positive credit history.

No Hidden Fees

Know upfront exacily what you'll owe, with no hidden costs and no surprises. You'll see your loan terms, including your APR and your monthly payment amounts, before you decide on a payment plan. Your rate will be 15% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.