Lending (e.g., payment plans)

Your rate for pay-over-time plans will be 0–36% APR. Affirm Pay in 4 payment option is 0% APR.  Payment options through Affirm are subject to an eligibility check and may not be available everywhere. Options depend on your purchase amount, and a down payment may be required.  For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR or 4 interest-free payments of $200 every 2 weeks. 

Payment options through Affirm are provided by these lending partners: affirm.com/lenders. For licenses and disclosures, including information for New Mexico residents, see affirm.com/licenses. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license.

Purchasing Power


Estimate of how much you can spend with Affirm, it is subject to change and approval is not guaranteed.  Rates from 0-36% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Estimated payment amount may exclude taxes and shipping. For licenses and disclosures, including information for New Mexico residents, see affirm.com/licenses. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license


For more information, see Help Center

Affirm Card

The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust (Evolve), Member FDIC, pursuant to a license from Visa U.S.A. Inc. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve. Learn more. You must request and be approved to get the Card. Getting the Card does not guarantee the ability to pay over time. You must apply for pay-over-time plans for each purchase in the mobile app. Pay-over-time plans are subject to eligibility checks and are provided by affirm.com/lenders. A minimum purchase of $50 is required to pay over time. For pay in full purchases, including purchases that are not approved for and matched to pay-over-time plans, you authorize one or more electronic debits from your linked bank account for up to the total amount of all pay in full purchases made on your Card since the last successful debit was initiated. Funds will pull from your Affirm Money Account, or external linked bank account within 1-3 days of the purchase.

Your rate for pay-over-time plans will be 0%–36% APR based on credit. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, may depend on whether your loan is applied for before or after your Card purchase, and may not be available everywhere. A down payment may be required. Estimated payment amount may exclude taxes and shipping. For licenses and disclosures, including information for New Mexico residents, see affirm.com/licenses. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license.

For more information, see https://www.affirm.com/card.

Affirm Money Account

Affirm is not a bank. The Affirm Money Account is issued by Cross River Bank (CRB), Member FDIC, and is insured up to the federal limit of $250,000. The federal limit applies to all money held by you at CRB, and FDIC insurance will only cover the failure of CRB. The Annual Percentage Yield (APY) is effective as of 09/23/2024 and may change at any time after account opening. No minimum balance is required to open an account or receive the advertised APY. Early access to direct deposit funds depends on the timing of the payment file from the payer and is not guaranteed.

For more information, see https://www.affirm.com/money.