Easy monthly payments with Affirm
Split up the cost of your $400+ purchase into flexible monthly payments when you select Affirm at checkout.
Get flexible monthly payment options
For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR
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.
Just select 
at checkout.
Buy with
confidence
With Affirm you always know exactly what you'll owe and when you'll be done paying.
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.
Affirm FAQs
- United States
- Canada
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.
Are there requirements to use Affirm?
Yes. You’ll need:
- To be the legal age of majority in the province or territory in which you reside
- To be a resident of Canada
- A Canadian bank account or Visa/Mastercard debit card (your debit card must have the Visa or Mastercard logo)
- Available payment methods may vary depending on the payment plan selected
- An SMS-capable Canadian phone number and an email address
- To meet the minimum cart size required to use Affirm as a payment option at checkout
How do I sign up?
If your basket is eligible for monthly payments with Affirm, the option will be presented at checkout. After confirming your phone number, you’ll be sent a one-time SMS password to confirm your identity. You’ll then enter a few details for a quick decision. If you’re approved, you will have the option to set up your repayment method with Affirm and accept the terms of your payment plan.
Does Affirm do a credit check?
To learn more about Affirm and credit checks, please read this FAQ article on the Affirm help site.
What is Affirm’s interest rate?
For more information on interest or fees, please read this FAQ article on the Affirm help site.
I was not able to complete a Affirm transaction. What happened?
Unfortunately, Affirm is not able to provide payment plans to every applicant. This could be due to the information on your credit file, or because Affirm was not able to verify your identity or your payment method.
Which payment methods are accepted?
Affirm currently accepts pre-authorized debits from your Canadian bank account or a debit card. Available payment methods may vary depending on the payment plan selected. Please note that prepaid cards are not accepted.
How can I track my payments and access my Affirm account?
To view your account information and track upcoming payments, please login to the Affirm customer portal using the phone number you used to sign up with. Having trouble? Please get in touch with the Affirm team.
Are there late or NSF fees?
Affirm does not charge any late or NSF fees. For more information on fees, please see this FAQ article on the Affirm help site.
Can I prepay my outstanding Affirm balance?
Sure, at any time! There are no penalties or fees for early repayments. To pay off your current balance, please login to the Affirm customer portal with the phone number you used to sign up with. If you have any additional questions about your account or payment schedule, send us a message here.
Where can I find Affirm’s terms and conditions?
You can find them here.
Why don’t I see Affirm as a payment option at checkout?
If your retailer offers Affirm, but you don’t see it as a payment option, please see this helpful FAQ article on the Affirm help site.
Disclosures
United States
To qualify for financing, minimum purchase value of cart must be $400.00 USD before taxes and fees.
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.
Canada
To qualify for financing, minimum purchase value of cart must be $400.00 USD before taxes and fees.
Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be up to 0–31.99% APR (where available and subject to provincial regulatory limitations). APR offered is based on creditworthiness and subject to an eligibility check. Not all customers will be eligible for 0% APR. Payment options depend on your purchase amount, may vary by merchant, and may not be available in all provinces/territories. Payment option terms will be shown at checkout. A down payment (or a payment due today) may be required. Affirm accepts debit cards and PAD as forms of repayment. Select payment options may be eligible for repayment in the form of credit cards. Please review the terms and conditions of your credit card when using it as a form of repayment. Sample payment options may be: a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. Financing offers may vary from time to time and may be amended or cancelled at any time. See https://helpcenter.affirm.ca for more information.
