Your business made smarter

It’s not a secret that buy now, pay later is good for business. Affirm isn’t your regular buy now, pay later solution—it’s smarter. We help you acquire, monetize, and retain customers.

The Affirm advantage

Win customers

With more than 27M addressable customers, Affirm has the largest customer network of any buy now, pay later platform.

Boost revenue

Affirm offers your customers flexible payment options with solutions like our Adaptive Checkout technology. Merchants with Affirm saw an 85% increase in AOV and fewer abandoned carts.

Build loyalty

Want your customers to come back for more? 96% of customers say Affirm meets or exceeds expectations, and merchants see 64% of loan volume by repeat customers.

Explore our demo store

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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 a bank. FDIC insurance covers accounts held with CRB in the event CRB fails. 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 (Evolve), Member FDIC, pursuant to a license from Visa U.S.A. Inc. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve. Learn more. 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.