Buy Now, Pay Later
Affirm offers a more flexible way to pay over time, allowing you to make purchases without straining your budget. Choose the best payment option for you, whether it’s four bi-weekly payments or monthly installments, all with no hidden fees or interest.
Affirm’s Payment Options:
- Pay in 4: Divide the total amount into four interest-free bi-weekly payments, perfect for smaller purchases.
- Monthly Payments: For larger purchases, you can spread the cost over several months, with no extra charges.
How to Use Affirm:
- Shop: Choose the items you want and select Affirm as your payment method at checkout.
- Pick a Payment Plan: Choose between interest-free bi-weekly payments or monthly installments that fit your budget.
- Make Payments: Set up automatic payments via the Affirm app or online to ensure you never miss a deadline. If you do miss one, there are no penalties.
Why Choose Affirm?
- Transparent: You know exactly how much you’ll pay upfront.
- Flexible: Offers payment plans tailored to your needs.
- No Fees: There are no late fees, annual fees, or hidden costs.
With Affirm, you control how you want to pay, making your purchases simple and hassle-free.
Frequently Asked Questions:
Interest: Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. However, you will never owe more interest than what was agreed upon on day one, ensuring complete transparency from the start.
Creating an Account and Pre-Qualification: Creating an Affirm account and checking if you prequalify will not affect your credit score. However, making a purchase with Affirm, your payment history, the amount of credit you’ve used, and the length of time you’ve had credit can impact your score.
Fees: We do not charge any fees. This means no late fees, payment fees, annual fees, or fees to open or close your account.
Afterpay
Financial Wellness at Your Fingertips.
Afterpay offers a convenient and secure way to manage your spending with interest-free installments. With the app, you can shop from thousands of brands and millions of products, both online and in-store, while earning rewards. Easily track and control your payments in one place.
Pay in 4: Split your payments into four interest-free installments over six weeks. Make the first payment upfront, with the remaining three spread out.
No Fees When Paying on Time: Afterpay is free to use as long as you make your payments on time. There are no upfront fees or interest charges.
Late Fees: The only fees you may incur are late fees if a scheduled payment fails, and you don’t log in to resolve it with a different method. Late fees in the U.S. are capped at $8 per missed installment, with a maximum of 25% of the total order value.
Monthly Payments:
For higher-value purchases over $400, Afterpay offers a flexible monthly payment plan. Depending on eligibility, you can choose 6 or 12-month payment options with simple interest applied to the unpaid balance. Rates are subject to change until the offer is accepted.
The app helps you stay on track with reminders and a cap on late fees, ensuring you can manage your finances while getting what you need.
