Say YES With Confidence

Transparent

Never pay more than the amount disclosed up front

Fair

Affirm won’t charge you late fees or penalties of any kind, ever

Instant Decision

Apply now for an instant decision. Applying won't affect your credit.

Frequently asked questions

How does Affirm work?

Affirm allows you to make purchases and pay over time through installment loans. At checkout, choose Affirm, apply for a loan, and select a payment plan. Terms are transparent with no hidden fees.
How might using Affirm affect my credit score?
  • Soft Credit Check: Affirm performs a soft inquiry that doesn’t affect your credit score.
  • Loan Reporting: Payments may be reported to credit bureaus; timely payments can boost your score, while missed payments may hurt it.
  • Interest-Free Plans: Choosing 4 interest-free payments or "Pay Now" won’t impact your credit score.
 What are the eligibility requirements to use Affirm for financing?

To be eligible for Affirm, you must:

  • Be at least 18 years old (19 if you're a ward of the state in Nebraska or Alabama).
  • Be a resident of the United States or its territories.
  • Have a valid U.S. mobile or VoIP number and email address.
  • Provide your Social Security number or Individual Taxpayer Identification Number.

Meeting these criteria allows you to apply for Affirm financing.
Can I use Affirm to make a second purchase while I’m still paying off my first loan?

Yes, you can have multiple Affirm loans simultaneously. Each application is evaluated individually, considering factors like your payment history with Affirm and your current credit status. Approval for additional loans depends on these assessments.

Rates from 0–30% 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. Estimated payment amount may exclude taxes and shipping. For licenses and disclosures, see affirm.com/licenses.