Two people smiling and laughing while sharing food at a dining table with drinks and dishes visible, embodying Affirm's message of "Life on your terms" through joyful social experiences.Two people smiling and laughing while sharing food at a dining table with drinks and dishes visible, embodying Affirm's message of "Life on your terms" through joyful social experiences.
WHAT IS AFFIRM?

Life on your terms

With Affirm, you can buy now and pay later at your favorite brands. We never charge hidden fees or compound interest. Just take us wherever you want to shop for the best way to pay for the things you need.

Split-screen image showing a hand holding a smartphone with the Affirm app displaying a $1,200 purchase power and popular merchant logos, alongside text explaining Affirm's transparent business model that earns from merchant commissions and selective interest rather than late fees.

Okay, so how do we make money?

We earn a commission from businesses, and shoppers pay interest on some items.

Unlike credit card companies though, we don't depend on shoppers paying late or staying in debt. Instead, we try to give them a great experience so they come back and use Affirm again.

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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, at a purchase price of $800 you could pay a down payment of $160 today, followed by 12 monthly payments of $57.77 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 CRB, 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.