Pay Off a Large Online Purchase Over Time

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Maybe you’re working on a tight budget, but you need to buy something important, you want to take advantage of an online sales event, or you have gifts to buy for everyone in your life — what do you do? Short of having an awkward conversation with a friend or family member to borrow some money, there’s a more convenient way to manage how you pay for online purchases, on your own terms. 

Affirm is a payment option you’ll see when you check out your cart at many online shopping sites. It’s especially useful for large purchases such as furniture and mattresses because it lets you pay them off over a period of time (usually three, six, or 12 months).

Annual percentage rates (APRs) vary widely with Affirm, ranging from 0% to 30%, so you’ll want to compare and contrast with other loan options including credit cards first. That said, you’ll always be shown upfront the total amount of interest you’ll pay. Affirm does not charge any additional fees. 

You can apply for a loan as you’re shopping at one of many Affirm’s partner stores, which include women’s and men’s fashion, furniture, kitchenware, home appliances, sports and fitness, electronics, jewelry, and watch brands.

When it comes time to pay, you’ll see something like the below: 

affirm payment


From there, you can create an account, get approved for a loan, and pay off your purchase at a pace you’re comfortable with. You can see which online retailers accept Affirm below.

Here are 80+ stores that accept Affirm:


Taking care of your vehicle with the proper maintenance isn’t free, but you can get inexpensive financing from Affirm at these stores in the auto industry. 

Health, Fitness, and Outdoors

Borrowers looking to focus on their health and wellbeing will find that Affirm can finance more expensive purchases and make the cost more manageable. This includes products like a kayak from the Austin Kayak Company or an exercise bike from Peloton. 

Home and Kitchen

Affirm can be a great choice if you want to make an upgrade on your home appliances. You may want to also consider one of the top credit cards with 0% APR to finance bigger purchases like electronics from Best Buy or furniture from Pottery Barn. 

Bed and bath:

Furniture and decor:




A great mattress can be a gamechanger. You can get an Affirm loan with several popular mattress retailers, including Casper and Nectar.


If you’re looking to up your style game, you have several options that take Affirm, including big-box retailer Walmart and shoe titan Adidas.


You can use an Affirm loan to purchase watches and glasses from retailers including Lenscrafters and Warby Parker. 


Loans from Affirm aren’t just for material items — you can also use them to book hotels, airlines and vacation rentals through the travel portals we’ve included below. 

Affirm Stores Frequently Asked Questions

Yes, Affirm can be used in store at its participating retailers. 

No, unfortunately you cannot use Affirm at Sam’s Club. 

*While these lenders offer financing as low as 0%, your rate and repayment options are subject to an eligibility check and may vary.


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