Sometimes it just makes sense to buy now and pay later, especially with large purchases. In a world of late fees, penalties, and compounding interest, it can feel like you're stuck between two bad options: saying no to what you need or giving in to unhealthy debt.

Affirm is here to offer a better way to buy. Affirm lets you shop stress free with no late fees and no surprises. Welcome to a new way to pay over time!

Afirm won't charge you late fees or penalties of any kind, ever. You choose the payment schedule that works for you. Affirm tells you up front the total amount you'll pay. That number will never go up.


Buying with Affirm is Easy

  1. Fill Your Cart: Shop your favorite products and then select Affirm at checkout. Enter a few pieces of information for a real-time decision.
  2. Choose How You Pay: Select the payment schedule that works for you, then confirm your loan. Affirm will never charge you more than what you see up front. 
  3. Make Easy Monthly Payments: Download the Affirm app of sign in at They will send you email and text reminders so you never miss a payment.

Curious about Your Credit Score?

Your credit score will not be affected when you check your eligibility, even though Affirm performs a credit check. If you decide to buy with Affirm, your loan and payments may affect your credit score. Paying on time can help you boost your credit score and build a positive credit history!


Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see 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.