Affirm is a more transparent, consumer-friendly alternative to credit cards that never charges fees or penalties. Trusted by over 5.6M consumers, Affirm gives shoppers a better way to buy what they need, by allowing them to pay-over-time at 6,000+ top U.S. merchants, including Target, Walmart, Dyson, West Elm, and Peloton. By selecting Affirm at checkout, consumers can find out if they’re approved in seconds, without affecting their credit. Once approved, shoppers are shown the total cost of their purchase upfront and can split their purchase over monthly payments such as three, six, or 12 months.

There is no cost to apply to use Affirm and once approved, paying for a given purchase with Affirm is simple and transparent. Sometimes when using Affirm there is zero interest, which means there is no additional cost other than the product itself. Other times, there is interest, which varies depending on your credit history and the pay-over-time program you choose.

Either way, the total cost is always shown upfront and your monthly payments are broken out for you — no tricks or complex calculations. And the amount you owe never changes. Affirm will never charge late or hidden fees.

  • Consumers can shop at more than 6,000 retail merchants such as Peloton, Target, Warby Parker, Dyson, West Elm and more.
  • For more information, visit

Instagram: @affirm
Twitter: @Affirm

*Content Provided by Affirm.

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