Pay over time with affirm
purchases up to $17,500
Enter a few pieces of information and get a real-time estimate of how much you can borrow. Prequalifying just takes a minute and won't affect your credit score.
How it works
Choose how you pay
Select the payment schedule that works for you, then confirm your loan. Affirm will never charge more than you see up front.
Download the App
Discover a better way to shop and pay over time with the Affirm app
- Special discounts & deals
- See how much you’re prequalified to spend
- Discover new brands
- Get payment reminders
- and much more!
Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0–30% APR based on credit, and is subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. Affirm savings accounts are held with Cross River Bank, Member FDIC. Savings account is limited to six ACH withdrawals per month. Affirm Plus financing is provided by Celtic Bank, Member FDIC. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.
| Progressive Leasing | Snap Finance | AFFIRM | Shop Pay Installments | |
|---|---|---|---|---|
| Use at checkout | 𝗫 | 𝗫 | ✓ | ✓ |
| Approval amount | N/A | up to $5,000 | up to $17,500 | up to $3,000 |
| Down Payment | $49 initial payment *The inititial payment of $49 (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection. | $10 initial payment which will go toward the total cost of lease | A down payment may be required | Their underwriting system determines whether your first payment is due at checkout or 2 weeks after your purchase. |
| Our Take | Pros: • Offered by a number of large retailers (Best Buy, Overstock.com) • Low monthly payments • Approval rates • Mobile App • 90-Day Purchase Option* Cons: • Inability to use at checkout 90-Day Purchase Option *Standard agreement offers 12 months to ownership. 90-day purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early call 877-898-1970. | Pros: • Business model centered around customer service • High approval rates • low monthly payments • 100-Day purchase option Cons: • Inability to use at checkout | Pros: • Ability to use at checkout • Mobile App • Ease of use • Great for large purchases • Flexible payment options Cons: • up to 30% APR | Pros: • No fees & No interest • No impact to your credit score (Negative marks only limit future use of Shop Pay) • Offered by a large number of e-commerce sites • Mobile App • Ability to use at checkout • Ease of use • Quick pay off over 4 installments Cons: • High installment payments over a short period (depending on the purchase amount) |
| BBB rating | A- | A | A+ | N/A |
- Opens in a new window.