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How it Works - Affirm

Buy Now, Pay Later with Affirm - Make Easy Monthly Payments over 3, 6, or 12 months*



1. Select Affirm at Checkout - Add your item to your cart as usual, and select Affirm as your payment method

2. Pay Over Time - Select a 3, 6, or 12 month plan. Then, make payments over time*

3. Enjoy Your Purchase - Once you complete your checkout with Affirm, we’ll process and ship your order right away - no waiting necessary



Real Time Decision

Applying for Affirm financing is quick and easy - simply provide a few details about yourself and get a real-time decision so you can purchase what you love now and pay over time.

Stress-Free Checkout

Affirm only performs a soft credit check, which won’t affect your credit score. And, on-time payments with Affirm can help you build positive credit history.

No Hidden Fees

Know upfront exactly what you’ll owe, with no hidden costs and no surprises. You’ll see your loan terms, including your APR and your monthly payment amounts, before you decide on a payment plan.