Customer Support

Affirm Financing

Financing with 

Affirm strives to keep you out of unhealthy debt by offering fair, transparent credit so you can pay over time for the the things you love.

Affirm offers affordable monthly payments at a pace you choose—usually 3, 6, 12, 24 or 36 months—so you're in control. From day one, you know how long you'll pay, and you know much you'll pay because Affirm never charges late fees or hidden fees.


Can I pay off my purchase early? 

Yes!  There’s no penalty for paying early. 

How do I make my payments?

You can make or schedule payments at or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

Can I return an item I bought with Affirm?

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

Does checking my eligibility affect my credit score?

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.

Do I need a mobile number to use Affirm?

Yes, you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you who is creating your account and signing in.

What is Affirm’s Lending Disclosure?

Rates from 0% APR or 10–36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending 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 Lenders Law license. For licenses and disclosures, see