Pay at your own pace with Affirm

When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to pay over time—and never pay a penny more than you agree to on day one.

Affirm LogoAffirm Logo

How Affirm works

Buying with Affirm is simple

1. Fill your cart

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

RuggedMade Sample Mobile Checkout ScreenRuggedMade Sample Mobile Checkout Screen

2. Create an account

Enter some basic information to get a quick approval. This will not affect your credit score.

Affirm Account Creation PageAffirm Account Creation Page

3. Pay over time

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

Choose a Payment Plan with AffirmChoose a Payment Plan with Affirm
Just select affirm at checkout.Just select affirm at checkout.

Rates from 0-36% APR on payment options through Affirm are subject to an eligibility check and are provided by these lending partners: Options dependon your purchase amount, and a down payment may be required. See for important info on state licenses and notifications.


What is the minimum amount I can finance?

An order must be at least $500 to be eligible for the Affirm financing payment method.


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 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 score?

No—your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in 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