Flexible monthly payments with no late fees — but read the interest rates first.
Affirm is a US-based BNPL company that lets you split purchases into monthly installments from 4 to 36 months. It's available at thousands of US retailers — Amazon, Walmart, Target, Best Buy, Peloton, and more.
When you check out, select Affirm, enter your basic details, and get an instant decision. Affirm shows you the exact monthly payment and total cost upfront, with no surprise fees or penalties for early payoff.
Look for "Affirm" at checkout at thousands of US retailers or use the Affirm app to generate a one-time card.
Select 4, 6, 12, 24, or 36 monthly payments. Affirm shows you the exact total before you confirm — no guessing.
Affirm does a soft credit check — no impact on your credit score. Most users get a decision in seconds.
Auto-pay from your bank account or debit card. No late fees if you miss a payment.
Are making a larger purchase ($300+) and want flexible monthly terms. Electronics, furniture, mattresses, travel, and fitness equipment are where Affirm really shines. If you qualify for 0% APR, it's genuinely one of the best BNPL options in the US.
Affirm is not ideal for purchases under $100 or if you want a simple 4-payment biweekly split — Afterpay or Klarna are better for that.
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| App | Interest | Late Fees | Best For |
|---|---|---|---|
| Affirm | 0%–36% APR* | None | Large purchases |
| Klarna | 0% if on time* | Up to $7* | Everyday shopping |
| Afterpay | None ever | Up to 25%* | Fashion & beauty |
| PayPal Pay Later | 0%–29.99%* | None | PayPal merchants |
*Rates subject to change. Verify with each provider directly.