Financing

What is Affirm?

Affirm is one of the leading installment payment platforms in the United States, providing shoppers with flexible “buy now, pay later” solutions at their favorite retailers, both online and in‑store. By selecting Affirm at checkout, customers can enjoy their purchase immediately while spreading payments over time.

How do I use Affirm?

• Select Affirm at checkout: Shop at participating stores that offer Affirm and choose it as your payment option.
  
• Get set up: Use your mobile phone number and email to set up your Affirm plan in about 60 seconds. Subject to credit approval.
  
• Enjoy your purchase: Confirm your payment plan and you’re done! Enjoy your purchase today while breaking up the cost.

Frequently Asked Questions

Does Affirm do a credit check?

• To learn more about Affirm and credit checks, please read this FAQ article on the Affirm help site.

What if I can’t make a payment?

• Please reach out to the Affirm team — they’ll be happy to review available options. You can contact them using this contact form.

Are there late or NSF fees?

• Affirm does not charge late or NSF fees. For more information on fees, see this FAQ article on the Affirm help site.

How do returns work if I paid using Affirm?

• Purchases made using Affirm are subject to the North Safe Point Inc. standard return policy.. Any returns will be processed by North Safe Point Inc., and your Affirm balance will be reduced, canceled, or refunded accordingly. If North Safe Point Inc. provides a refund via gift card, you must still continue repaying your installment plan in full.

What if the order is canceled? Will I still be charged?

• No, you will not be charged. If you’ve already made a payment to Affirm and are owed a refund, it may take 5–10 business days to appear on your bank account or credit card statement. If your order total changes for any reason, your payment plan will be adjusted accordingly.

Pay Monthly

Choose how you pay with Affirm for as low as 0–31.99% APR (subject to state regulatory limitations). Subject to eligibility check and approval. A down payment may be required. Terms are shown at checkout.

Spread the cost of a purchase from $300 to $1,499.99 into 3, 6, or 12 monthly payments.

Break up the cost of a purchase from $1,500 to $15,000 into 6, 12, or 24 monthly payments.

Frequently Asked Questions

Are there requirements to use Affirm?

Yes. You'll need:

• Have a U.S. bank account or a Visa/Mastercard debit card (debit card must display the Visa or Mastercard logo)
  
• Provide a U.S. mobile phone number and email address
  
• Meet the minimum cart size required to use Affirm at checkout
  

How do I sign up?

• If your basket is eligible for monthly payments with Affirm, the option will appear at checkout. After confirming your phone number, you’ll receive a one‑time SMS password to verify your identity. Enter a few details for an instant decision. If approved, you can set up your repayment method and accept the terms of your payment plan.
  

What is Affirm’s interest rate?

• For more information on interest or fees, please read this FAQ article on the Affirm help site.
  

Tracking Payments

• To view your account information and track upcoming payments, log in to the Affirm Customer Portal using the phone number you used to sign up.

^{Legal Disclosure: Payment options are offered through Affirm, Inc. Your rate will be 0–31.99% APR (where available and subject to state regulatory limitations). APR offered is based on creditworthiness and subject to an eligibility check. Not all customers will qualify for 0% APR. Payment options depend on your purchase amount and may not be available in all states. Actual payment option terms will be shown at checkout. A down payment may be required. Affirm accepts debit cards and PAD as forms of repayment. Select payment options may be eligible for repayment using credit cards. Financing offers may vary and may be amended or canceled at any time. See helpcenter.affirm.com for more information.}