Upgrading your home is easier than ever

Finance with

0% APR

*As low as 0% APR


*As low as $0 down

Pay Over Time

  • Prequalify in minutes

    Complete a quick application that won't affect your credit score.

  • Know what you'll owe

    Don't lose sleep with simple monthly payments and no hidden fees.

  • Unlock your home’s potential

    Build the home, or renovate the kitchen, you’ve always wanted. Luxury is now attainable

“Purchasing our appliances online was super easy. We opted to finance our purchase and the option to pay over 18 months was a huge winner. We love our new kitchen!”

- Nicole B. (Home Outlet Direct Customer)

How to Pay with Affirm

1. Select Affirm at Checkout

Select Affirm at checkout, then enter a few pieces of info for a real-time decision.

2. Complete Your Purchase

Pick the monthly payment plan you like best. You’ll never pay more than you agree to up front.

3. Pay Over Time

Make payments at affirm.com or in the Affirm app. You’ll get email and text reminders.

  • Can I pay off my purchase early?

    Yes, there's no penalty for paying early

  • How do I make 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.

  • Does checking my eligibility affect my credit score?

    No, checking your eligibility won't affect your credit score.

  • 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.

  • 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.

*0% APR is only available on the shortest term payment plan

✢In cases of partial approval, a down payment may be required

More Ways to Pay

Option 2: Buy Now, Pay Later with

How to Pay with Shop Pay

1. Select Shop Pay at Checkout

2. Select Pay in 4 Installments

3. Complete Your Purchase

  • Does Shop Pay impact my credit score?

    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.

  • What is the interest rate?

    Shop Pay has 0% APR, no hidden or late fees, and no impact on your credit score.

  • Can I choose a different payment plan?

    No, Shop Pay only offers to pay over 4 equal installments, charged to your credit or debit card every 2 weeks.

  • How to I manage my payments for Shop Pay installments?

    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.

  • Which payment methods are accepted if I use the option to pay in Shop Pay installments?

    The installments option on Shop Pay is available on all major debit and credit cards.

  • Are there late fees?

    No, there are no late fees if you miss a scheduled payment.

  • What happens if I pay with Shop Pay installments and then return items or cancel my order?

    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.

  • Have more questions?

    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.