How Affirm (Buy Now, Pay Later) Works

Affirm is designed to offer you flexibility and control over your budget. Affirm offers rates from as low as 0% APR based on your credit. Actual rates will be shown at checkout. For example, for a loan amount of $700 you might pay $64 per month for 12 months at 15% APR. Down payment may be required.  Visit for more info.

Affirm Offers a Split Payment option for smaller purchases and Installments for larger purchases.

Please review Our Policies for more information on our terms and return policy.

    Affirm Loan Installments

    With Affirm, you always know exactly what you'll owe and when you'll be done paying.  Make easy monthly payments over 3, 6, 12 or 18 months - Rates are between 0% APR or 10-36% APR. A down payment may be required. Subject to eligibility check and approval. Payment options depend on your purchase amount. Estimated payment amount excludes taxes and shipping fees. Actual terms may vary. Visit for more info.

    $250 - $1499 Purchase Size

    • Interest Rates - 3 Months (Zero Percent), 6, 12 Variable Rates (0% APR or 10-36% APR)

    Here's What You Might Pay for $1,000 Purchase

    3 monthly payments of $333.33 - Total interest: $0.00 - Total cost: $1,000.00
    6 monthly payments of $174.08 - Total interest: $44.48 - Total cost: $1,044.48
    12 monthly payments of $90.30 - Total interest: $83.60 - Total cost: $1,083.60

    $1500 - $2999 Purchase Size

    • Interest Rates - 6 Months (Zero Percent), 12, 18 Variable Rates (0% APR or 10-36% APR)

    $3000+ Purchase Size

    • Interest Rates - 6 Months (Zero Percent), 12, 18 Variable Rates (0% APR or 10-36% APR)

    Options depend on your purchase amount, up to $17,500, and a down payment may be required.

    Frequently Asked Questions

    1. Can I pay off my purchase early?

    Yes! There’s no penalty for paying early.

    2. 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.

    3. Does checking my eligibility affect my credit score?

    No—checking your eligibility won't affect your credit score.

    4. 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.

    5. 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.

    6. Where can I learn more about Affirm?

    You can visit their website at