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How to pay We’ve made it easier to shop.
We’ve partnered with Affirm to make your online shopping experience with us better. With Affirm, you’ll never owe more than you agree to up front. Instead, you’ll always get a flexible, transparent, and convenient way to pay over time.How to use Affirm
Choose 
at checkout.
Just select Affirm at checkout when shopping at your favorite stores to see your payment options. Subject to eligibility.
How payment plans work
| Features | Pay in 4 | Monthly Installments |
|---|---|---|
| Purchase amount | $50–$1,000+ May differ from store to store | $50–$5,000+ May differ from store to store |
| Number of payments | 4 | 3, 6, 12, 18, 24, 36, and up to 60 months |
| Payment duration | Every 2 weeks | Monthly |
| Payment at checkout | Down payment may be required | Down payment may be required |
| Interest | Interest-free | 0–36% APR |
| Fees? | Never | Never |
| Credit impact to apply? | None | None |
| Credit impact with a loan? | May impact if delinquent | May impact if loan is accepted or delinquent |
Options depend on your purchase amount and may vary from merchant to merchant.
Apply and choose your payment plan
Pick the payment option that works for you when checking out—from 4 interest-free payments every 2 weeks to monthly installments.
Get started with Affirm
Questions? We've got your back.
Will Affirm impact my credit?
No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm’s Help Center.
View full payment terms and disclosure requirements, here.
Am I eligible to use Affirm?
Affirm customers must:
- Be a resident of the U.S. (including U.S. territories)
- Be at least 18 years old (19 if you’re a ward of the state in Nebraska)
- Have a Social Security number
- Own a phone number that receives SMS and is registered to the United States or U.S. territories
View full payment terms and disclosure requirements, here.
How do I pay Affirm back?
The easiest way to manage your payments is through your account on affirm.com or in the Affirm app. Once you sign in, you’ll be able to see your payment schedule and turn on AutoPay.
View full payment terms and disclosure requirements, here.
Where can I use Affirm?
Thousands of stores offer Affirm as a payment option at checkout. But if you don’t see us at checkout, you can still pay over time. See how the Affirm Card™ works. Or download the Affirm app, tell us where you’re shopping, and we’ll give you a one-time-use digital card you can use to complete your purchase online or in stores.
View full payment terms and disclosure requirements, here.
How does Affirm make money?
We earn a commission from businesses, and shoppers pay interest on some items. Unlike other lenders, we don’t depend on shoppers missing payments or charging you fees. Instead, we give you a great experience so you’ll come back and use Affirm again.
View full payment terms and disclosure requirements, here.
What does purchasing power mean?
Your purchasing power is an estimate of how much you can spend with Affirm and it’s not a guarantee. You’re not on the hook to pay back this amount until you confirm your loan at checkout. For more information, visit the Affirm Help Center.
View full payment terms and disclosure requirements, here.
Disclosure: Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. 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 Financing Law license. For licenses and disclosures, see affirm.com/licenses. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR.
