Pay over time with affirm

purchases up to $17,500

Prequalify Now →

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!
Affirm apple app
Affirm App Google Play

Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0–36% 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.

+

Questions?

Check out Affirm's help section for answers

FAQ →

Contact

650 California St Fl 12
San Francisco, CA 94108
(855) 423-3729

Contact Affirm →

Account

Already have an Affirm account?

Login →
  Progressive LeasingSnap Finance   AFFIRM   Shop Pay learn more
Use at checkout𝗫𝗫
Approval amountN/Aup to $5,000up to $17,500up to $17,500
Down Payment$49 initial payment (plus tax) is charged at lease signing.
Remaining lease payments are determined upon item selection.
$39 processing fee or $10 initial payment may be requiredA down payment may be requiredFirst payment may be due at checkout
Our TakePros:
• 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
4 Interest-Free Payments

Pros:
• No late fees, No hidden fees, No interest
• No impact to your credit score
• (4) Bi-weekly payments
• Great option for small purchases

Cons:
• Payments can only be paid using a debit card or checking account


Monthly Installments

Pros:
• High approval amount
• 3, 6, or 12 month payment options (sometimes even longer) 
• No prepayment fees or late fees
• Down payment and monthly installments can sometimes be made using a credit card
• Great option for large purchases

Cons:
• Interest bearing (up to 36% APR)


Other Notable Pros:
Affirm app, automatic payments, pay by check, virtual card to use in-store or online, Affirm Debit+ card

4 Interest-Free Payments

Pros:
• No late fees
• No interest
• No impact to your credit
• Negative marks only limit future use of Shop Pay
• Quick pay off
• Bi-weekly payments can be made using a debit or credit card

Cons:
• None


Monthly Installments

Pros:
• High approval amount
• Great for large purchases

Cons:
• Interest bearing
• Up to 30% APR
• Monthly payments can only be made using a debit card
 BBB ratingA-
AA+N/A

Get Started with Affirm today!

Prequalify Now →