Options depend on your purchase amount and may vary by merchant.
| Features | Pay in 4 | Monthly installments |
| Purchase amount | $50–$1,000+ (May differ by store) | $50–$5,000+(May differ by store) |
| Number of payments | 4 | 3, 6, 12, 18, 24, or 36 months |
| Payment duration | Every 2 weeks | Monthly |
| Payment at checkout | Down payment may be required | Down payment may be required |
| Interest | Interest-free | 0–36% (Total interest at 15% APR) |
| Fees? | Never | Never |
| Credit impact to apply? | None | None |
| Credit impact with a loan? | May impact if delinquent | May impact if loan is accepted or delinquent |
YOUR PURCHASE
Look for the Affirm logo at checkout. Didn’t see it? You can request a one-time-use virtual card in the Affirm app or learn how the Affirm Card™ works.
Pick the payment option that works for you—from 4 interest-free payments every 2 weeks to monthly installments.
Manage your payments in the Affirm app or online, and set up AutoPay so you don’t miss a payment. But if you do, you’ll never pay any fees.
Creating an Affirm account and checking your purchasing power will not impact your credit score. If you decide to buy with Affirm, these things may impact 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.
To apply, you must meet these eligibility requirements: be a resident of the U.S. (including U.S. territories), be at least 18 years old, have a social security number, and have a phone number that receives SMS. Canadian resident? You can also use Affirm in Canada.
The easiest way to manage your payments is through your account on affirm.com or in the Affirm app. Once you sign in, you’ll be able to see your payment schedule and turn on AutoPay.
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. See how the Affirm Card™ works. Or download the Affirm app, tell us where you’re shopping, and we’ll give you a one-time-use digital card you can use to complete your purchase online or in stores.
We earn a commission from businesses, and shoppers pay interest on some items. Unlike other lenders, we don’t depend on shoppers missing payments or charging you fees. Instead, we give you a great experience so you’ll come back and use Affirm again.
Your purchasing power is an estimate of how much you can spend with Affirm and it’s not a guarantee. You’re not on the hook to pay back this amount until you confirm your loan at checkout. For more information, visit our help center.
Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0–36% APR based on credit, and is subject to an eligibility check. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. A down payment may be required. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. The Affirm Money Account is held with Cross River Bank (CRB), Member FDIC. Affirm is not an FDIC-insured bank. FDIC insurance covers accounts held with CRB in the event of a CRB failure. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681. The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of U.S. territories. The one-time-use Affirm virtual card is issued by Sutton Bank, Member FDIC, or Celtic Bank, pursuant to a license from Visa U.S.A. Inc. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.
