Affirm

Choose how to pay at your own pace.

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.

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 a hidden fee—or any fee, for that matter.

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 fees or penalties of any kind, ever.

*Disclosure Payment options through Affirm are subject to eligibility, may not be available in all states, and are provided by these lending partners: affirm.com/lenders. For example, a $800 purchase could be split into 12 monthly payments of $73 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.

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.

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.

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.

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