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How does Affirm work?

AffirmWe have partnered with Affirm to give you a simple way to make your purchase with no hidden fees.

Easy Monthly Payments 

Provide some basic information and get a real-time credit decision to split your purchase into monthly payments. Rates from 0%, 10% to 30% APR with loans of 3, 6, or 12 month terms.

  • Based on a purchase price of $500.00 at $43.97/mo at 10% APR for 12 months. Down-payment may be required

Flexible Repayment 

Simply pay your monthly bill using a debit card, bank transfer at www.affirm.com/pay.

Affirm Calculator

Find out what you'd pay with the Affirm Calculator.


  • Does Affirm do a credit check? Will this affect my credit rating?

Affirm performs a “soft” credit check when you sign up for an Affirm account. This is similar to a “pre-approval” and does not affect your credit score. If Affirm approves you for a loan, you can see what terms you qualify for on the approval screen. Affirm will honor these terms when you confirm the loan.

Click here for complete FAQ listing

Disclosure: Subject to credit check and approval, and a down payment may be required. Payment options depend on your purchase amount. Affirm loans are made by Cross River Bank, Member FDIC. 

See www.affirm.com/help for details.