Payments on your terms

Buy now, pay later with flexible plans that fit your budget. And take Affirm everywhere, so you never pay hidden fees or compound interest.

Affirm is now on Apple Pay

Pay over time, online and in apps, right at checkout—all from the convenience of your iPhone or iPad. Terms apply.

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Meet the Affirm Card™

Request to pay over time in the app, then swipe. For everything else, use it as your everyday debit card.

See how it works

It’s better in the app

Online, in stores, wherever you love to shop—pay over time and get exclusive deals like as low as 0% APR with the Affirm app.

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How to use Affirm

At checkout

Look for the Affirm logo when completing your purchase, or pay with your Affirm Card.

Affirm app

Check your purchasing power and see your payment options from the palm of your hand.

The Affirm Card™

Request to pay over time for the big stuff, or just pay in full for the smaller things.

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Shop at thousands of stores

We partner with the best

Get as low as 0% APR

See all featured stores

NECTAR Sleep

adidas

Tire Agent

Temu

Bergdorf Goodman

Chewy

Hotels.com

Tonal

Take the Affirm Card™ everywhere

Request to pay over time in the app, then swipe. For everything else, use it as your everyday debit card.

See how it works

iPhone displaying Affirm Card in digital wallet

Pay over time with Affirm on Apple Pay

iOS 18 or iPadOS 18 or later required. Terms apply.

1.4M+ App Store reviews

Check your purchasing power, get exclusive deals like as low as 0% APR, and make payments from the palm of your hand with the Affirm app.

Download the Affirm app

Reviews from shoppers just like you

“I’ve been with Affirm forever. It’s a great way of getting what you want and the payment plan is affordable...Thank you, Affirm!”

Pamela D.

“Easy process, clear terms, incredible convenience.”

Clint M.

"Affirm is very flexible and amazing to use. The payment plans are simple and they make the user experience very friendly and understandable.”

Isaiah P.

“A great way to get big ticket items if you don’t have the cash all at once.”

Joseph B.

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. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. A down payment may be required. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. The Affirm Money Account is held with Cross River Bank (CRB), Member FDIC. Affirm is not an FDIC-insured bank. FDIC insurance covers accounts held with CRB in the event of a CRB failure. 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. The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of U.S. territories. The one-time-use Affirm virtual card is issued by Sutton Bank, Member FDIC, or Celtic Bank, pursuant to a license from Visa U.S.A. Inc. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.