Pay over time with Affirm
When inspiration strikes, Affirm helps you say yes without giving up financial control. Select from flexible financing options starting as low as 0% APR.
Choose a new, simple way to pay with Affirm in store and online.
2. Select Your Payment Plan
Follow a few simple steps to apply, select your payment plan, & confirm your total.
3. Complete your shopping
For online, select Affirm at check out. For in-store add your one-time-use virtual card to Wallet and tap to pay.
Say Yes With Confidence!
When you buy with Affirm, you always know exactly what you’ll owe and when you’ll be done paying. You’ll never pay late fees or hidden fees of any kind.
Transparent
Affirm tells you up front the total amount you'll pay. That number will never go up.
Flexible
You choose the payment plan that works for you. Our smart checkout gives you options.
Fair
Affirm won’t charge you late or hidden fees of any kind, ever.
Rates from 0–36% APR. For example, a $150 purchase might cost $13.54/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Estimated payment amount may exclude taxes and shipping. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses The one-time-use Affirm virtual card is issued by CRB, Sutton Bank, Member FDIC, or Celtic Bank, pursuant to a license from Visa U.S.A. Inc.
Frequently Asked Questions
- Can I pay off my purchase early?
Yes! There is 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.
Does checking my eligibility affect my credit?
No- your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it's considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm's Help Center.
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 Michaels.
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.
We would love to hear from you!