What is Affirm?
Affirm is a Buy Now, Pay Later (BNPL) financial services tool that allows consumers to purchase goods and services with full transparency and with no hidden fees that are associated with traditional loans. Other consumer benefits of using Affirm:
Quick and Easy
Checkout is simple. Just enter a few pieces of information for a real-time decision.
No Hidden Fees
Know up front exactly what you’ll owe, with no hidden costs and no surprises.
Safe & Secure
Affirm connects directly to online stores. There’s no card number to steal, so your account stays secure.
You’re In Control
Pick a loan that fits your budget. You’ll make real progress every month, and at the end of your loan you’re free and clear.
A: Creating an Affirm account and seeing if you prequalify will not affect your credit score. If you decide to buy with Affirm, these things may affect your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you've used, and how long you’ve had credit.
A: We don’t charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account. Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.
A: When you prequalify, you get an estimate of how much you can spend with Affirm. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase.