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!
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.
| Progressive Leasing | Snap Finance | AFFIRM | Shop Pay learn more | |
|---|---|---|---|---|
| Use at checkout | 𝗫 | 𝗫 | ✓ | ✓ |
| Approval amount | N/A | up to $5,000 | up to $17,500 | up 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 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, 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 rating | A- | A | A+ | N/A |