How Klara, Affirm, Shop Pay Installment work?Updated a month ago

Details about Affirm: Buy now, pay later without the fees.

Affirm is a smarter way to pay over time. Shop pretty much anywhere and pay at your own pace without any fees, so you can get the things you love without breaking your budget. Learn more here. When you buy with Affirm, you always know exactly what you'll owe and when you'll be done paying. You’ll never pay a hidden fee—or any fee, for that matter.

• Transparent Never pay more than the price of your purchase.
• Flexible It only takes a moment, and checking your eligibility won’t affect your credit score.
• Fair Affirm won’t charge you late fees or penalties of any kind, ever.

Shop Pay & Affirm - Are they related?

Shop Pay and Affirm are different services. Shop Pay is used for checkout and payment processing and Affirm is a third-party financing company.

Shop Pay Installments is powered by Affirm. This means that customers who use Shop Pay Installments to finance their purchases will be using Affirm's financing services, but they will still be able to use Shop Pay for checkout and payment processing.

How To Buy With Affirm

Buying with Affirm is simple - details here

• Go shopping and add your item to your cart.
• When you’re done shopping, select Affirm at checkout.
• Choose how you pay - You’re in control. Pick the payment option that works for you and your budget—from 4 interest-free payments every 2 weeks to monthly installments.
• Enter a few pieces of info for a real-time decision. This eligibility check won't affect your credit score.
• Pay over time. Two options
  • Affirm Pay in 4
    • Ideally for smaller orders. Make 4 interest-free payments every 2 weeks at affirm.com or in the Affirm app. You’ll get email and text reminders. Great for everyday purchases.
      • No interest or fees
      • No impact on your credit score
      • Set up easy, automatic payments
  • Monthly payments
    • Ideally for larger orders. Choose monthly installments. Choose 3, 6, or 12 monthly payments. Perfect for big-ticket items.
      • No hidden fees—ever
      • What you see is what you pay
      • Set up easy, automatic payments

FAQs

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

How do I make my payments? You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

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 the store.

Does checking my eligibility affect my credit score? No—your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in Affirm’s Help Center.

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 who is creating your account and signing in.

Where can I learn more about Affirm? You can visit their website at affirm.com.

Disclosure

Payment options are offered by Affirm and are subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license. For licenses and disclosures, see affirm.com/licenses. Rates from {0% APR or 10-36% APR} {10-36% APR}. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. See affirm.com/licenses for important info on state licenses and notifications.