0% APR*As low as 0% APR
$0*As low as $0 down
Pay Over Time
Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
Pick the monthly payment plan you like best. You’ll never pay more than you agree to up front.
Make payments at affirm.com or in the Affirm app. You’ll get email and text reminders.
Yes, there's no penalty for paying early
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.
No, checking your eligibility won't affect your credit score.
Yes, you can return an item you bought with Affirm by initiating the return process with the store.
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.
*0% APR is only available on the shortest term payment plan
✢In cases of partial approval, a down payment may be required
When using Shop Pay installments, there will be no impact to your credit score since Affirm doesn't conduct a hard credit pull or report to the credit bureaus.
Shop Pay has 0% APR, no hidden or late fees, and no impact on your credit score.
No, Shop Pay only offers to pay over 4 equal installments, charged to your credit or debit card every 2 weeks.
You can log in to Shop Pay to view your order history and payment status for orders that are paid in installments with Shop Pay.
The installments option on Shop Pay is available on all major debit and credit cards.
No, there are no late fees if you miss a scheduled payment.
If we process a refund, the refunded amount will be returned to your original payment method within 3-10 business days, and your balance will be updated.
For questions about installment payments on Shop Pay, visit shop.affirm.com/help. For questions about Shop Pay or the Shop App, visit shop.app/help/shop-pay.