Pay at your own pace
loans up to $20,000
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.
Choose how you pay
choose between
• 4 interest-free payments every 2 weeks
• Monthly installments up to 12 months
Payment options are offered by Affirm and are subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license. Forlicenses and disclosures, see affirm.com/licenses.
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
- See how much you’re prequalified to spend
- Make or schedule automatic payments
- Get payment reminders
- Special discounts & deals
- and much more!
Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 10–36% APR based on credit, and is subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. 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. The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.
| Progressive Leasing | Snap Finance | AFFIRM | Shop Pay Learn more | |
|---|---|---|---|---|
| Use at checkout | 𝗫 | 𝗫 | ✓ | ✓ |
| Approval amount | N/A | up to $5,000 | up to $20,000 | up to $20,000 |
| 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 required | A down payment may be required | First payment may be due at checkout |
| 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 | 4 Interest-Free Payments Pros: • No late fees or hidden fees • 0% APR • (4) Bi-weekly payments Cons: • Payments can only be made using a debit card, checking account, or Affirm savings 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 Cons: • Interest bearing (up to 36% APR) Other Notable Pros: Affirm app, AutoPay, 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 Cons: • Interest bearing • Up to 36% APR • Monthly payments can only be made using a debit card |
| BBB rating | NR | NR | A+ | NR |