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Welcome to a new way to pay over time. Affirm lets you shop stress‑free, with no late fees and no surprises.

Sometimes it just makes sense to buy now and pay later. But in a world of late fees, penalties, and compounding interest, it can feel like you’re stuck between two bad options: saying no to what you want, or giving in to unhealthy debt to get it.

Affirm is here to offer a better way to buy.


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


You choose the payment schedule that works for you.


We tell you up front the total amount you’ll pay. That number will never go up.

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Still Not Sure?

It’s about helping you say yes

Yes to the things that will make your life easier, more fulfilled, and more fun. The new safe to keep you always protected.

Yes isn’t always easy

When you’re trying to save for the future or meet financial goals, it can seem smarter to put off those bigger purchases. But sometimes, waiting can mean months, or years…or never.

Credit cards were supposed to help

As many of us learned the hard way, late fees, compounding interest, and penalties make it way too easy to spiral into debt—this is how credit card companies make money.

Affirm is a better way to buy

One specifically designed to help you say yes to the things you want while keeping you out of unhealthy debt.

Check to see if you Prequalify

Select a product

Choose one of our products. Under the description you will see a link to prequalify now. Just click the link and fill out a few pieces of information for a real‑time decision.

Get PreQualified

How it Works


Fill your cart

Choose one of our products and proceed to checkout. Just select Affirm at checkout, then enter a few pieces of information for a real‑time decision.


Choose how to pay

Select the payment schedule you like best, then confirm your loan. We’ll never charge more than you see up front.


Make easy monthly payments

Just download the Affirm app or sign in at We’ll send you email and text reminders whenever a payment’s coming up.

Curious about your credit score?

Your credit score will not be affected when you check your eligibility, even though we perform a credit check. If you decide to buy with Affirm, your loan and payments may affect your credit score. Paying on time can help you build positive credit history.

Let's Get Started


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