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Affirm FinancingUpdated 5 months ago


Have your eye on a new metal detector? Is there a new set of coils you can’t wait to get your hands on? Don’t wait! When paying with Affirm, you have the option to pay for your purchase over time with a 0-36% APR over a 3, 6, 12, or 18-month term.

Rates from 0–36% APR. For example, a $700 purchase might cost $63.18/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. See for important info on state licenses and notifications. 

Buying with Affirm simple:

  1. Fill your cart
    Select Affirm at checkout, then enter a few pieces of info for a real-time decision.

  2. Choose how you pay
    Pick the monthly payment plan you like best. You’ll never pay more than you agree to up front.

  3. Pay over time
    Make payments at or in the Affirm app. You’ll get email and text reminders.


With no hidden fees, Affirm is the safe, secure way to buy. Shop smarter with no prepayment penalties and no late fees.

And your credit score will not be affected when you check your eligibility, even though Affirm will perform a credit check. If you decide to buy with Affirm, your loan and payments may affect your credit score. See for more details.


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 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 score? 
No—your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. 
You can find more information in 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
For more information and a complete list of Affirm's Terms & Conditions, please visit their website here.

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