When you buy with Affirm, there are no hidden fees. Instead, you get a simple, easy, transparent way to shop. Because when it comes to paying for your favorite things, there should be no surprises. We charge simple interest, not compound interest. And we don’t charge fees of any kind—not even late fees. So you’ll never pay more than you expect.

Buy now, pay later

  • Starting at 0% APR
  • Quick and easy—get a real-time decision Prequalifying won’t affect your credit score
  • No late fees, no hidden fees, and no surprises
  • Choose the payment plan you like best

Easy monthly payments

Provide some basic information and get a real-time credit decision to split your purchase into monthly payments.

Flexible repayment

Simply pay your monthly bill using a debit card, bank transfer.

Simple Example

For example, if you were purchasing a $1000 product using Affirm, you would see the following:

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