how Affirm works


Hello, savvy shoppers

Looking for a better way to pay over time? Affirm will never hit you with late fees, hidden fees, or sneaky fine print. Now that’s smart.

Buying with Affirm is easy

Step 1

Fill your cart

Shop your favorite stores and then select Affirm at checkout. Enter a few pieces of information for a real-time decision.

how Affirm works


Step 2

Choose how you pay

Select the payment schedule that works for you, then confirm your loan. We’ll never charge more than you see up front.

how affirm works

Step 3

Make easy monthly payments

Download the Affirm app or sign in at We’ll send you email and text reminders so you never miss a payment.

how Affirm works