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Pay at your own pace

With Affirm, split purchases into 4 interest-free payments every two weeks or longer-term monthly payments

Just select at checkout

Choose 4 interest-free payments paid every two weeks or monthly installments.

Pay in 4

When inspiration strikes, say yes with confidence—knowing you’ll never pay late or hidden fees.

Schedule
4 payments, every 2 weeks
Interest
Interest-free
Best for
Smaller purchases you want to pay off fast

Example

An $800 purchase could be split into 4 interest-free payments of $200 every 2 weeks.

Monthly payments

Tee off now. Pay over time with Affirm—knowing you'll never pay late or hidden fees.

Schedule
Over a time period that works best for you
Interest
0-36% APR
Best for
Bigger purchases like a full iron set

Example

For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR

How it works

  1. Fill your cart

    Select Affirm at checkout, then enter a few pieces of info for a real-time decision

  2. Choose how to pay

    Pick the plan that fits your budget. You’ll never pay late or hidden fees.

  3. Pay over time

    Make payments at affirm.com or in the Affirm app. You’ll also get reminders by text and email.

Buy with confidence

When you pay with Affirm, you always know exactly what you'll owe and when you'll be done paying. You’ll never pay late fees or hidden fees of any kind.

  • Transparent

    You’ll never pay late fees, hidden fees, or annual fees. And never any compound interest, either.

  • Flexible

    You choose the payment schedule that works best for you.

  • Fair

    Affirm doesn’t charge late fees or hidden fees of any kind, ever.

Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, 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.

FAQ

Your Questions Answered

Can I pay off my purchase early?

Yes, there’s no penalty for paying early.

How do I make my payments?

You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

Can I return an item I bought with Affirm?

Yes, you can return an item you bought with Affirm by initiating the return process with the store.

Does checking my eligibility affect 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.

Do I need a mobile number to use Affirm?

Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in.

Where can I learn more about Affirm?

You can visit their website at affirm.com.

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