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Affirm Pay

Buy now, pay later without the fees

Affirm is a smarter way to pay over time. Shop pretty much anywhere and pay at your own pace without any fees, so you can get the things you love without breaking your budget.

Guy looking at his phone while buying shoes


The choice is yours

Affirm Pay in 4

Make 4 interest-free payments every 2 weeks. Great for everyday purchases.

  • No interest or fees

  • No impact on your credit score

  • Set up easy, automatic payments

Monthly payments

Choose monthly installments. Perfect for big-ticket items.

  • No hidden fees—ever

  • What you see is what you pay

  • Set up easy, automatic payments

Pay with Affirm anywhere

With a one-time-use virtual card, you can pay over time with us just about anywhere.

Woman holding phone

How to buy with Affirm


Go shopping

Shop your favorite stores online or in-store and pay later with Affirm. You’ll see us at checkout, or you can request a virtual card in the Affirm app.

This eligibility check won't affect your credit score. See footer for details.
Affirm app on a mobile phone

Choose your payment terms

You’re in control. Pick the payment option that works for you and your budget—from 4 interest-free payments every 2 weeks to monthly installments.

Sample payment plan with Affirm

Make your payments

Manage your payments in the Affirm app or online, and set up AutoPay so you don’t miss a payment. But if you do, you’ll never pay any fees.

sample payment plan with Affirm

Use Affirm here—and there

Choose Affirm at checkout

Just select Affirm at checkout when shopping at your favorite stores to see your payment options.

Shop online and in-store

Shop at thousands of stores you love—and thousands you haven’t discovered yet—online and in the Affirm app.

Try our browser extension

Download the Affirm Google Chrome extension in seconds to find out how much you can spend while you shop and browse.

Here's what you might pay



  1. 1 payment every 2 weeks
    4 interest-free payments
    Total cost: $500.00
  2. 6 monthly payments
    Total interest at 15% APR: $22.10
    Total cost: $522.10
  3. 12 monthly payments
    Total interest at 15% APR: $41.55
    Total cost: $541.55

For illustrative purposes only. See footer for details

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