Split it into monthly payments. See the total cost before you agree.
Affirm shows your monthly payment and total cost up front. Check your options in seconds with a soft credit check that won’t affect your credit score.
Subject to approval. Opens the provider’s secure application.
$72.21a month
Example: an $800 purchase over 12 months at 15% APR.1
- Rates from 0–36% APR, based on credit
- Checking your options is a soft check and won’t affect your credit score
- No late fees
How it works
1. Choose Affirm at checkout
Add your items to your cart and select Affirm as your payment method.
2. Enter a few details
Share basic information to see your personalized options. This is a soft check.
3. Pick a plan and pay monthly
Choose the monthly payment that fits your budget, then manage payments in the Affirm app or online. Set up autopay so you don’t miss one.
What you’ll need to apply
- Your name, email, and date of birth
- A way to make monthly payments, such as a debit card or bank account
How Affirm decides, and what to know
- Each purchase is reviewed on its own. There’s no published minimum credit score. Your options depend on the purchase amount, your credit profile, and your history with Affirm.
- These are loans. They’re made by Affirm’s lending partners at rates from 0–36% APR. Some purchases may qualify for 0% APR, but not everyone will.
- A down payment may be required. If so, you’ll see the amount before you confirm.
- Affirm may report your loans to credit bureaus, so on-time payments matter.
Common questions
Does checking my options affect my credit score?
No. Checking your eligibility is a soft inquiry and doesn’t affect your credit score.
What credit score do I need?
Affirm doesn’t publish a minimum score. It reviews each purchase individually, so you may get different options on different purchases.
Do I need a down payment?
Sometimes. It depends on your purchase and what Affirm offers you. Any down payment is shown before you confirm.
Who provides the loan?
Payment options are provided by Affirm’s lending partners, listed at affirm.com/lenders. Affirm shows your rate, payment, and total cost before you commit.
Ready to check your options?
Check your options with Affirm1. Rates from 0–36% 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 Financing Law license. For licenses and disclosures, see affirm.com/licenses. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR.
Cheap Sleep is not a lender or lessor. Offers, terms, and availability vary by provider, product, and store, and may change without notice.