Affirm: Buy now, pay over time

Core Features of Affirm

Transparent Financing: See your total cost, payment schedule, and any fees upfront before you commit. No hidden costs or late fees.

Flexible Payment Options: Choose from various pay-over-time plans at checkout, from a few weeks to several months, based on your purchase amount and eligibility.

No Impact on Credit Score to Apply: Checking your eligibility with Affirm is a soft inquiry that won’t affect your credit score.

Wide Retailer Network: Shop directly in the app or use Affirm at checkout with thousands of partner brands across categories like travel, electronics, home goods, and fitness.

Simple Management in One App: View all your active loans, track upcoming payments, and make early payments without penalty, all in one intuitive dashboard.

Who Is Affirm a Good Fit For?

Shoppers making planned, larger purchases who prefer predictable, interest-free installment plans.

Budget-conscious individuals seeking an alternative to credit cards that avoids revolving debt and compound interest.

Anyone who values complete transparency in financial agreements and wants to avoid surprise fees.

Consumers looking to manage cash flow by splitting a necessary expense into manageable, scheduled payments.

How to Start Using Affirm

Click “Check All Versions” below to download and install Affirm on your device or browser.

Open the app and sign up for an account with a few basic details. You can also use Affirm directly at a partner retailer's checkout online.

Browse shops within the app or, when shopping online, look for the Affirm option at checkout and select it.

Enter your information to see your real loan options and terms instantly. Choose the payment plan that best fits your budget.

Confirm your purchase. You’ll make your first payment either at checkout or later, according to your schedule, and can manage everything going forward in the Affirm app.

In today's economy, having flexible and transparent options for managing larger purchases can make all the difference. Affirm is a financial service app that empowers you to buy what you need now and pay for it over time, without the hidden fees or compounding interest of traditional credit cards. At checkout with thousands of popular retailers, Affirm offers clear, upfront loan terms so you know exactly what you’ll owe, and when. It’s designed to give you financial peace of mind, helping you budget responsibly while accessing the things that matter to you.

Core Features of Affirm

Transparent Financing: See your total cost, payment schedule, and any fees upfront before you commit. No hidden costs or late fees.
Flexible Payment Options: Choose from various pay-over-time plans at checkout, from a few weeks to several months, based on your purchase amount and eligibility.
No Impact on Credit Score to Apply: Checking your eligibility with Affirm is a soft inquiry that won’t affect your credit score.
Wide Retailer Network: Shop directly in the app or use Affirm at checkout with thousands of partner brands across categories like travel, electronics, home goods, and fitness.
Simple Management in One App: View all your active loans, track upcoming payments, and make early payments without penalty, all in one intuitive dashboard.

Who Is Affirm a Good Fit For?

Shoppers making planned, larger purchases who prefer predictable, interest-free installment plans.
Budget-conscious individuals seeking an alternative to credit cards that avoids revolving debt and compound interest.
Anyone who values complete transparency in financial agreements and wants to avoid surprise fees.
Consumers looking to manage cash flow by splitting a necessary expense into manageable, scheduled payments.

How to Start Using Affirm

Click “Check All Versions” below to download and install Affirm on your device or browser.
Open the app and sign up for an account with a few basic details. You can also use Affirm directly at a partner retailer's checkout online.
Browse shops within the app or, when shopping online, look for the Affirm option at checkout and select it.
Enter your information to see your real loan options and terms instantly. Choose the payment plan that best fits your budget.
Confirm your purchase. You’ll make your first payment either at checkout or later, according to your schedule, and can manage everything going forward in the Affirm app.