Buy now, pay later.

What is Affirm?

Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers instant loan decisioning for online purchases to be paid in fixed monthly installments over 3, 6, 12, or 24 months.

Does Affirm perform a credit check? Does it impact my credit?

No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on: Affirm's Help Center

When is my first payment to affirm due?

Your first monthly payment is due 30 days from the date that we (the merchant) processes your order.

Will I see how much interest I am paying prior to accepting my loan?

Yes! Affirm works hard to be completely transparent. You’ll see the amount of interest you’ll owe on the terms page and again on the loan confirmation page. If you pay off your loan early, you’ll receive a rebate for any interest that hasn’t yet accrued.

How fast is the approval process?

Affirm will make a real-time decision for credit approval. Roughly - 30 seconds.

For more information please visit - Affirm FAQ

Prequalify Now

*Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. 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 Financing Law license. For licenses and disclosures, see affirm.com/licenses. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR.