Step 1: Fill your cart
After choosing your products, select Affirm at checkout. Then enter a few details for an instant decision. We do a soft credit check when you apply for any Affirm payment plan. This won’t impact your credit score.

Step 2: Choose your payment method
Select your payment plan, then confirm your loan. We’ll never charge more than you see up front.

Step 3: Make your payments
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.

That's it!

Affirm Pay in 4

Make 4 interest-free payments every 2 weeks. Great for everyday purchases.

Monthly Payments

Choose monthly installments. Perfect for bigger ticket items.

When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase. The final amount you qualify for is subject to eligibility criteria.

Creating an Affirm account and seeing if you prequalify will not affect your credit score.

Fees - We don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.

Interest - Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.