Family Owned and Operated Since 2012

Affirm

We started Affirm because credit cards aren’t working. They lure us in with perks, but end up costing a lot: The average U.S. household has $6,000 in credit card debt.

With Affirm, you’ll never owe more than you agree to up front. Instead, you’ll always get a flexible, transparent, and convenient way to pay over time.

Why Affirm?

We started Affirm because credit cards aren’t working. They lure us in with perks, but end up costing a lot: The average U.S. household has $6,000 in credit card debt.

With Affirm, you’ll never owe more than you agree to up front. Instead, you’ll always get a flexible, transparent, and convenient way to pay over time.

  • We keep it simple

    When you can choose a payment option that suits your budget, it’s easy to get that interview outfit or go on your dream vacation.

  • We never charge fees

    You'll never pay late fees. Or annual fees. Or hey-it's-a-random-day-in-April fees.

  • We tell it like it is

    With credit cards, the longer you take to pay off your balance, the more expensive your purchase becomes. With Affirm, you always know exactly what you'll owe and when you'll be done paying off your purchase.

Okay, so how do we make money then?

We earn a commission from businesses, and shoppers pay interest on some items.

Unlike credit card companies though, we don't depend on shoppers paying late or staying in debt. Instead, we try to give them a great experience so they come back and use Affirm again

It’s all about you

  • Transparent

    We tell you up front the total amount you’ll pay. That number will never go up.

  • Flexible

    You choose the payment schedule that works for you.

  • Fair

    You’ll never pay late fees, penalties, or hidden interest, ever.

Need more info?

We’ve got you.

Help Center See how Affirm works

HOW IT WORKS

  • At checkout

    Look for the Affirm logo when completing your purchase, or pay with your Affirm Card.

  • Affirm app

    Check your purchasing power and see your payment options from the palm of your hand.

  • The Affirm Card™

    Request to pay over time for the big stuff, or just pay in full for the smaller things.

Will Affirm impact my credit score?

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.

Am I eligible to use Affirm?

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.

How do I pay Affirm back?

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.

How does Affirm make money?

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.

What does purchasing power mean?

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.

Buy now, pay later with no late fees or surprises

*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, at a purchase price of $800 you could pay a down payment of $160 today, followed by 12 monthly payments of $57.77 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 a bank. FDIC insurance covers accounts held with CRB in the event CRB fails. 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 (Evolve), Member FDIC, pursuant to a license from Visa U.S.A. Inc. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve. Learn more. The Affirm Card is not available to residents of U.S. territories. The one-time-use Affirm virtual card is issued by CRB, 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.

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