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Financing With Affirm

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  • No Annual fee

  • Pre-Qualify in minutes

  • Quick and secure online application

  • Know what you'll owe

  • Flexible payments from 0-36 months with rates as lows as 0% APR, subject to eligibility

Affirm strives to keep you out of unhealthy debt by offering fair, transparent credit so you can pay over time for the the things you love. Affirm offers affordable monthly payments at a pace you choose—usually 3, 6, 12, 24 or 36 months—so you're in control. From day one, you know how long you'll pay, and you know much you'll pay because Affirm never charges late fees or hidden fees.

No—checking your eligibility won't affect your credit score. When you prequalify, you get an estimate of how much you can borrow. You’re not on the hook to pay back your prequalified amount until you actually borrow it. You also don’t have to borrow the full amount.

Yes, when you first create an Affirm account, Affirm performs a soft credit check to help verify your identity and determine your eligibility for financing. The soft credit check with not affect your credit score.

Unfortunately, we can’t guarantee you’ll get approved, even if you’re prequalified. That’s because your prequalified amount is an estimate. It may change—or go away—depending on a few different things. This includes your borrowing and payment history at Affirm and elsewhere.

The maximum amount that can be financed through Affirm is $25,000. Any transactions over that amount would require a down payment.

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.

Yes! There's no penalty for paying early.

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.

Your rate will be 0% APR or 10–36% APR based on credit, and is subject to an eligibility check. Affirm does not charge late fees, service fees, prepayment fees, APR penalties or any other hidden fees for a late payment.

Please contact Affirm or download the Affirm IOS or Android apps.

  • Disclaimer

    Loans through Affirm are made by Cross River Bank, Member FDIC; Celtic Bank, Member FDIC; or Affirm Loan Services, LLC.

    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. 

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