Affirm FAQs

What is Affirm?

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

Affirm Products 

Installments over 3, 6, or 12 months
At partner stores, you can choose Affirm as a payment method during checkout and seamlessly apply for a loan to pay for your items right then. You can choose to spread your payments out, typically over 3, 6, or 12 months (or more), to pay for your purchase with manageable payments that work with your budget.

4 interest-free payments
Depending on your order value, you can make 4 equal payments, every two weeks, so you pay your purchases off quickly with no impact on your credit.

Interest and No Fees 

Affirm does not charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.

Your APR may be different depending on your creditworthiness and where you are shopping. The exact terms that apply to your purchase will be given when you check out with Affirm.

At checkout, Affirm always shows the total amount of interest you’ll pay and you will never be charged more than that. This way, you always know what you’re getting into. If you pay faster than agreed, you might be charged less!

No Fees
With Affirm, there are no late fees, service fees, prepayment fees, or any hidden fees.

How Do I Use Affirm? 

Upon checkout, select “Ship” for your delivery method, and then select “affirm pay over time” as your payment method. Hit the “Complete Order” button and you will be redirected to the Affirm website to finish checking out with Affirm.

Your Promise to Pay 

Before completing any transaction on your behalf, Affirm will secure your promise to pay by disclosing the terms and conditions applicable to that transaction and securing your affirmative consent to those terms for that transaction, including your promise to pay the Total Payments amount to Lender or its assigns, by asking you to click the button to confirm your loan.

To learn more about Affirm payments, visit