Payment Plan Options
When paying over time with Affirm, you will be able to select the payment plan that works best for you. Payment plan options you may see include:
- Monthly Installments
- At partner stores, you can choose Affirm as a payment method during checkout and seamlessly apply for a loan to pay for your items right then. You can choose to spread your payment out, typically over 3, 6, or 12 months (or more), to pay for your purchase with manageable payments that work with your budget.
- 4 biweekly Interest-free payments
- Depending on eligibility, you may be able to make 4 interest-free payments, every two weeks.
- Other installment options
- In some cases, Affirm may offer the option to pay in two interest-free payments paid every 15 days.
- You may also see the option to pay a single installment deferred 30 days from the date the order is processed.
Ways to use Affirm
- Via a partnered merchant
- Affirm works with merchant partners to offer the option to pay with Affirm at checkout. Look for Affirm at checkout to pay with Affirm seamlessly!
- Virtual card
- To pay with Affirm at a merchant not currently partnered with us, you can apply for a loan at affirm.com or in the Affirm app, and you’ll get a virtual card you can use at most stores, both online and in brick-and-mortar stores. It works like a any other card payment—just choose to pay by card at checkout, then enter your virtual card number. Learn more about using a virtual card here. If you have an Affirm Card, this amount will be available on your card. Learn about using an Affirm Card for planned purchases here.
- Affirm on Apple Pay
- Affirm also offers consumers the ability to pay later when using Apple Pay. Affirm on Apple Pay is available for purchases made online or in-app on iPhones and iPads on iOS18 or iPadOS18. Affirm on Apple Pay is not available for purchases made in-store. Click here for more information on using Affirm on Apple Pay. If you want to make a purchase in store, check out the virtual card section above.
- Google Pay
- Consumers using Google Pay may also be able to select Affirm to pay over time at select merchants when paying on mobile, in app, or on desktop.
Additional Affirm Products
- Affirm Card
- The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Affirm Card can give you the flexibility to pay over time or pay in full for eligible purchases where Visa is accepted. Upon opening an account, you’ll receive a virtual Affirm Card that can be added to your mobile wallet (Google Pay/Apple Pay) and a physical Affirm Card that will arrive by mail.
- Affirm Money™
- Affirm also works with Cross River Bank, Member FDIC, to provide interest-bearing Affirm Money™ accounts with no minimum deposit requirements and no fees. After you securely link your bank account to your Affirm Money™ , you can transfer money into your account.
- Note: Savings is now Affirm Money™, see here for more details.
