Buy With Confidence and Control with SkyTrak™ and Affirm™

So long, fees. Hello, Affirm.
How It Works

Our mission moves us forward

Since day one, our mission has been to deliver honest financial products that improve lives. That mission hasn't changed—and it never will.

No fees, no gotchas, no surprises

We're making it easier to make smart choices with your wallet. So you can get the things you love without the things you don't.

We've got your back

Unlike most credit card companies, we're here to help you. Not to profit off mistakes or misfortune. When you win, we win.

How to buy with Affirm

STEP 1

Go shopping

Shop your favorite stores online or in-store and pay later with Affirm. You'll see us at checkout, or you can request a virtual card in the Affirm app.

STEP 2

Choose your payment terms

You're in control. Pick the payment option that works for you and your budget—from 4 interest-free payments every 2 weeks to monthly installments.

STEP 3

Make your payments

Manage your payments in the Affirm app or online, and set up AutoPay so you don't miss a payment. But if you do, you'll never pay any fees.

Questions?

Will Affirm affect my credit score?

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.

Does Affirm charge interest and fees?

Fees - 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.

Interest - 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.

What does it mean to prequalify?

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.

What if I don’t see Affirm at checkout?

Thousands of stores offer Affirm as a payment option at checkout. But if you don’t see us at checkout, you can still pay over time. Just download the Affirm app (or sign in at affirm.com), tell us where you’re shopping, and we’ll give you a one-time-use virtual card you can use to complete your purchase online or in stores. Then, pay us back over time

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So long, fees. Hello, Affirm. How It Works