Affirm Payments
Buy now, pay over time with Affirm
Split your purchase into easy payments—choose Pay in 4 (interest-free) or monthly installments up to 36 months (subject to eligibility). No late fees. No surprises.
Financing available at checkout
How it works
Add items you love and choose
at checkout.
Enter a few details for an instant eligibility check. Pick a plan that fits.
Make payments at affirm.com or in the app. Email/SMS reminders help you stay on track.
Note: Affirm supports domestic transactions only (US stores → US customers, Canadian stores → Canadian customers).
Why shop with
- Transparent — Know the total cost up front.
- Flexible — Choose Pay in 4 (0% APR) or monthly installments.
- Fair — No late fees or hidden fees. Ever.
Pricing & fees
- Pay in 4 & Pay in 30: interest-free (where available).
- Monthly installments: APR may apply (typically 10%–36% based on eligibility).
- No late fees. No hidden charges.
Example: $800 could be paid as 4 × $200 biweekly (Pay in 4), or monthly with APR.
Refunds & returns
Returns follow our Refund Policy. When approved:
- We initiate the refund via Affirm.
- Affirm pauses your plan and refunds payments made (minus any interest paid).
- Partial or full refunds supported up to 120 days after purchase.
Disputes
- If items are defective or not received, you can file a dispute with Affirm.
- Funds may be held during review (up to ~30 days); we’ll provide shipment/return proof as needed.
- When resolved in your favor, payments are adjusted or refunded accordingly.
FAQs
Does checking eligibility affect my credit?
No—checking eligibility is a soft inquiry and won’t impact your credit score. Active financing plans may be reported to credit bureaus.
Where do I make payments?
At affirm.com or in the Affirm app. You’ll receive email/SMS reminders.
Who is eligible to use Affirm?
Eligibility depends on factors like credit, account history, order amount, and product type. Availability and term lengths are determined by Affirm.
Can I return an item I bought with Affirm?
Yes. Items purchased with Affirm can be returned either by shipping them back to us or by visiting any envy+grace store in Canada. For full details, please see our Return Policy.
Can I pay off early?
Yes. You can pay off your plan early with no penalty.