Affirm Alternatives

Affirm

Affirm offers easy financing - without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you’ll actually pay.

Simple Checkout: Checkout is easy at any store that accepts Affirm. Just enter some basic information for an instant loan decision.

Safe & Secure: Affirm connects directly to online stores. There’s no card number to steal, so your account stays secure.
To prevent unauthorized use of your Affirm account, we confirm every purchase via text message.

You're In Control: Pick a loan that fits your budget - choose to pay off your purchase over 3, 6, or 12 months. You’ll make real progress every month, and at the end of your loan, you’re free and clear.

Instant Approval: Your loan is complete, and the store can process your order immediately. We’ll send a loan confirmation and payment reminders via email and text message.

Shopping with Affirm is easy: After checkout, stores can process and ship your order immediately. We'll keep in touch and remind you of any upcoming payments. Pay however you'd like – debit card, bank transfer or personal check.

Enjoy peace of mind: Security of your personal information is our top priority. We employ the latest encryption and information safeguards, and our checkout process is designed to prevent unauthorized transactions.

Choose 3, 6, or 12 monthly payments: We designed our loans to offer you flexibility and control over your budget. Affirm offers rates from 10-30% APR based on your credit. Actual rates will be shown at checkout.

Real people, real support: We have a dedicated team in San Francisco at Affirm HQ, ready to answer your questions and help out however we can.

Who is eligible to use Affirm? Any United States resident 18 years or older (excluding overseas territories and APO/FPO/DPO) is eligible to use Affirm.