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Pay Over Time.

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Starting at 0% APR.* Flexible financing that works for you through our partnership with Affirm. Never pay a penny more than you agree to on day one.

Prequalify now

Subject to credit check and approval.

Easy & Flexible

Simply select Pay Over Time with Affirm at checkout.

Quick Pre‑Qualification

Get a real-time credit decision with payment options tailored to you.

No Hidden Fees

With no fees or surprises, you always know exactly what you owe.

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Fill your cart

When you're ready to check out, select Pay Over Time to get started.

Complete the application

Enter a few pieces of info for a real-time decision -- this check doesn't affect your credit score.

Select a plan

Pick the option that you like best - from 4 interest-free payments every 2 weeks to monthly payments up to 12 months!*

Prequalify now

Frequently Asked Questions

Can I pay off my purchase early?

Yes! There's no penalty for paying early.

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.

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.

Yes—You can return an item you bought with Affirm by initiating the return process with the store.

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.

You can visit their website at affirm.com.

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*Rates from 0% APR or 10–36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% 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. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see affirm.com/licenses.