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Why buy with Affirm?

  • Buy and receive your purchase right away, and pay for it over several months. This payment option allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget.
  • If Affirm approves your loan, you'll see your loan terms before you make your purchase. See exactly how much you owe each month, the number of payments you must make, and the total amount of interest you’ll pay over the course of the loan. There are no hidden fees.
  • The application process is secure and real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you’re approved for, the interest rate, and the number of months that you have to pay off your loan -- all within seconds.
  • You don’t need a credit card to make a purchase. Affirm lends to the merchant directly on your behalf.
  • You may be eligible for Affirm financing even if you don’t have an extensive credit history. Affirm bases its loan decision not only on your credit score, but also on several other data points about you. 
  • Affirm reminds you by email and SMS before your upcoming payment is due. Enable Autopay to schedule automatic monthly payments on your loan.
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