With the Affirm app, you can shop stressfree at your favorite stores and pay over time with flexible buy now pay later payments—there’ll be no late fees, penalties, or hidden costs of any kind.

How does Affirm work? Here's how to take advantage of easy, simple shopping:
• Find your favorite store, shop, and fill your cart.
• Choose from flexible payment options that fit your budget—we'll never charge more than you see upfront.
• We’ll check your eligibility and then you’re good to go (the credit check takes a moment and won’t affect your credit score).
• Complete your purchase online or at a physical store with Apple Pay or Google Pay.

With Affirm's buy now, pay later flexibility, you can shop at the stores you love without the pressure to pay all at once. We'll show you exactly what you're paying from the getgo, and we’ll never charge you with late fees, penalties or hidden costs of any kind. With winter deals and sales happening every day, now is a good time to responsibly take advantage of buy now, pay over time shopping.

Why you’ll love shopping on the Affirm app this winter:
• Buy now, pay later at almost any store.
• A simple credit check with no effect on credit score.
• Get exclusive offers and sales as low as 0% APR.
• Manage your account and make payments easily.
• Open a highyield savings account with no minimums and no fees.

Buy now, pay later at almost any store
• Get access to winter deals and sales across hundreds of stores.
• A payment plan should be flexible: we have offers that span 3, 6, 9 months, and more.
• Buy now and pay over time across apparel, auto, beauty, electronics, and much more.

Get exclusive offers as low as 0% APR
• Some customers qualify for 0% APR, meaning you'll pay nothing for split payments over time.
• Get deals on apparel, electronics, appliances, auto, and more.

Manage your account and make payments
• We're all about making financing simple—so you select your payment plan, and know exactly what you're paying from the start.
• Make payments within the Affirm app—we'll even send you email and text reminders to keep you on track with your payment plan.

Open a highyield savings account with no minimums or fees
• Grow savings with the Affirm Savings account—designed to help you save smarter.
• It's totally free—there's no minimum deposit, and you'll get a high annual percentage yield for every penny you add.

Say yes to more of the things you love this season with winter deals at your favorite stores—all while staying true to your financially responsible self. Shop now and pay later with your choice of payment plan over time, it’s that simple—download Affirm and pay at your own pace today.

Rates from 030% APR. Payment options through Affirm are subject to an eligibility check, may not be available in all states, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license. Affirm savings accounts are held with Cross River Bank, Member FDIC.