What is Affirm?

"When you buy with Affirm, there are no hidden fees. Instead, you get a simple, easy, transparent way to shop. Because when it comes to paying for your favorite things, there should be no surprises.Payments are made in three, six, or twelve monthly installments."

You can use Affirm as a payment method at partner stores during checkout and apply for a loan to pay for your products straight away. You can opt to spread your payments out over a longer period of time, such as 3, 6, or 12 months (or more), to make your purchase more reasonable.

4 payments with no interest
You can make four equal payments every two weeks, depending on the merchant and the value of your order, to pay off your purchases promptly and without affecting your credit.

This is a virtual card.
You can apply for a loan at affirm.com or in the Affirm app to pay with Affirm at other merchants, and you'll receive a virtual card that you can use at most retailers, both online and offline. It works just like a credit card—you simply select credit card as your payment method.
Affirm Savings is a bank account that allows you to save money.
Affirm also partners with Cross River Bank, a member of the Federal Deposit Insurance Corporation (FDIC), to offer interest-bearing savings accounts with no minimum deposit and no fees. You can transfer money into your Affirm savings account after securely linking your bank account. During each monthly statement cycle, however, you may make no more than six withdrawals or transfers from your account.

There is no interest and no fees.
We don't have any hidden costs. That means there are no late fees, prepayment fees, annual fees, or account opening or closing costs.

Depending on your creditworthiness and where you shop, your APR may differ. When you check out with Affirm, you will be informed the specific conditions that apply to your transaction.

Affirm always displays the exact amount of interest you'll pay at checkout, and you'll never be charged more. This way, you'll always know what's going on.

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