Yes! There’s no penalty for paying early.
Pay at your own pace with 
When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to pay over time—and never pay a penny more than you agree to on day one.
Just select at checkout
at checkout
How Affirm Works
Buying with Affirm is simple
1. Fill your cart
Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
2. Choose how you pay
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.
Say yes with confidence
Transparent
Affirm tells you up front the total amount you’ll pay. That number will never go up.
Flexible
You choose the payment schedule that works for you.
Fair
Affirm won’t charge you late fees or penalties of any kind, ever.
Rates from 0% APR or 10-36% APR. Payment options through Affirm are subject to an eligibility check 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.
Affirm FAQs
Can I pay off my purchase 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 score?
No—your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in 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.
a completely new way to pay
0% interest monthly payments, right on your credit card
When you don’t want a new loan, but still want control over your monthly cash flow, Splitit is the easy answer. You choose the number of monthly instalments and they show up right on your credit card statement. Best of all? Zero interest or fees are ever added.
Splitit works by placing a hold on your credit card while the total amount is outstanding. This is not a payment, it’s just a pre-authorization and allows you to pay off your balance over time before accruing any interest. Just pay as you go and Splitit will automatically reduce the hold each month. Plus, you get all the benefits of paying with your credit card, including rewards, transaction insurance and protection against fraud.
Splitit works by placing a hold on your credit card while the total amount is outstanding. This is not a payment, it’s just a pre-authorization and allows you to pay off your balance over time before accruing any interest. Just pay as you go and Splitit will automatically reduce the hold each month. Plus, you get all the benefits of paying with your credit card, including rewards, transaction insurance and protection against fraud.
How does Splitit work?
1. Choose Splitit at the checkout
Always 0% interest. Never any late fees.*
2. Select your monthly payments
Choose the number of monthly payments that suit you and your budget.
3. Enter your credit card details
Pay right on your credit card, at your own pace. No applications or credit checks needed.
* Splitit will not charge you interest or fees. Other charges may apply from your credit card issuer. Credit card T&Cs apply.
