Pay over time with

As low as 0% APR financing for up to 12 months*

When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to pay over time—and never pay a penny more than you agree to on day one.


Buy with confidence

1. FILL YOUR CART

When you are ready to place your order, select Affirm at checkout. You can also check if you prequalify before checking out.

2. COMPLETE THE APPLICATION

Enter a few pieces of info for a real-time decision. Checking eligibility only takes a few seconds and won’t affect your credit score.

3. PAY OVER TIME

Choose a monthly payment plan over a period of 3–18 months starting at 0% APR.*
Prepay at any time without penalty.


FAQs

Can I pay off my purchase early?
Yes! There is no penalty for paying early.

 

How do I make payments?
Pay online at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders when payments are due.

 

Does checking my eligibility affect my credit score?
No - checking your eligibility will not affect your credit score.

 

Can I return an item I bought with Affirm?
Yes - you can return an item you bought with Affirm by initiating the return process with Circa Lighting.

 

Do I need a mobile number to use Affirm?
Yes - you’ll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it’s really you when you create an account.

 

Where can I learn more about Affirm?
You can visit affirm.com for more information.


*Your rate will be 0% APR or 10–30% APR based on credit, and is subject to an eligibility check. For example, a $2000 purchase might cost $112/mo over 18 months at 0% APR. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.