Affirm Page

Why Affirm?

We started Affirm because credit cards aren’t working. They lure us in with perks, but end up costing a lot: The average U.S. household has $6,000 in credit card debt.

With Affirm, you’ll never owe more than you agree to up front. Instead, you’ll always get a flexible, transparent, and convenient way to pay over time.

We keep it simple

When you can choose a payment option that suits your budget, it’s easy to get that interview outfit or go on your dream vacation.

We never charge fees

You'll never pay late fees. Or annual fees. Or hey-it's-a-random-day-in-April fees.

We tell it like it is

With credit cards, the longer you take to pay off your balance, the more expensive your purchase becomes. With Affirm, you always know exactly what you'll owe and when you'll be done paying off your purchase.

About Affirm

Affirm is a financial technology company founded in 2012 by Max Levchin, offering consumers flexible “buy now, pay later” (BNPL) solutions. It allows users to make purchases and pay over time through interest-free installments or fixed monthly payments with simple interest. Affirm partners with major retailers like Amazon, Walmart, and Target, providing a seamless financing option at checkout both online and in-store. The approval process includes a soft credit check, and terms are clearly disclosed, with no hidden or late fees.

Affirm’s mission is to make financial services more transparent and consumer-friendly. Through its mobile app and website, users can manage payments, track purchases, and avoid traditional credit card pitfalls. Affirm earns revenue from merchant fees and consumer interest, aiming to create responsible and accessible lending alternatives.

Affirm 0% Financing

Affirm provides 0% APR financing on eligible purchases, letting you pay over time without interest or hidden fees. You only pay the purchase amount—nothing extra. Partnering with various retailers, Affirm offers interest-free installment plans, usually split into biweekly or monthly payments. The approval process involves a soft credit check that won’t affect your score. It’s a smart, flexible alternative to credit cards, helping you manage your budget. Availability varies by merchant and your eligibility, so check at checkout for 0% APR options.