Transparent
You’ll never pay late fees, hidden fees, or annual fees. And never any compound
interest, either.

Flexible
You choose the payment schedule that works best for you.

Fair
Affirm doesn’t charge late fees or hidden fees of any kind, ever

Rates from {0–36% APR} {10–36% APR}. Payment options through Affirm are
subject to an eligibility check, may not be available everywhere, and are provided
by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. See affirm.com/licenses for
important info on state licenses and notifications.

Can I pay off my purchase early?
Yes, there’s no penalty for paying early.

How do I make my payments?
You can make or schedule payments at affirm.com or in the Affirm app for iOS or
Android. Affirm will send you email and text reminders before payments are due.

Can I return an item I bought with Affirm?
Yes, you can return an item you bought with Affirm by initiating the return process with the store.

Does checking my eligibility affect 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.

Do I need a mobile number to use Affirm?
Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in.
Where can I learn more about Affirm?
You can visit their website at affirm.com.