Flexible payments with Affirm

We’ve partnered with Affirm to offer flexible payments. Select Affirm at checkout.

How to Use Affirm at Checkout

For example: a US$1000 purchase can be 4 easy, interest-free payments of US$250 each.
  • Step 1: Fill your cart

    Step 1: Fill your cart
    Select Affirm at checkout
  • Step 2: Fill in your info

    Step 2: Fill in your info
    Then enter a few pieces of info for a real-time decision
  • Pay in 4 — 0% interest

    Pay in 4 — 0% interest
    Split your purchase into 4 easy, interest-free payments.
  • Monthly Installments

    Monthly Installments
    Flexible monthly payments available. Terms and interest rates vary.

Simply select Affirm at checkout.

Explore

Pay with confidence

With Affirm, you’ll see your total cost upfront and know when your payments end.

Transparent

Transparent

Affirm shows you your total payment upfront, with no hidden fees.

Flexible

Flexible

Choose from available payment options that fit your budget.

Fair

Fair

Affirm does not charge late fees for Pay in 4, and there are no hidden fees..

ayment options through Affirm are subject to an eligibility check and may not be available in all states or for all purchase amounts. APR rates range from 0–36% based on your creditworthiness.

Affirm loans are issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC.

0% APR financing, where available, is subsidized by the merchant and cancellation fees may apply. See the payment page for details.

State notices to consumers and other important information are available at
affirm.com/licenses.

FAQ

Yes — you can pay off your purchase anytime with no penalties or extra fees.

Yes! Affirm is completely transparent. You’ll see the total interest you’ll owe before you confirm your purchase.

You can make or schedule your payments anytime at affirm.com or in the Affirm app for iOS or Android.

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.

Yes — you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify your identity when creating your account and signing in.

Yes — you can return an item purchased with Affirm by initiating the return process with the store.

However, according to the payment method’s policy, once a “Buy Now, Pay Later” (BNPL) transaction is captured (meaning the loan is approved and processed), a 10% transaction fee may not be refundable.

Affirm will send you special notifications regarding this fee before the cancellation takes effect.

When you return an item, a refund posts to your Affirm account once we process your refund request.

- If the store issues store credit instead of a cash refund, you are still responsible for paying off your Affirm loan.

- If you have already made loan payments or a down payment, Affirm will issue a refund credit to the bank account or debit card you used to make the payments.

- Paid interest: Affirm does not refund any interest that has already been paid.

The merchant does not have information regarding a customer’s financing denial.

Affirm strives to offer financing to all credit-worthy applicants, but may not be able to approve credit in every case. Affirm will send you an email with more details about its decision. Please note that Affirm’s decision is final.
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