With consumers more budget-conscious this holiday season, Affirm offers a more flexible and transparent alternative to credit cards that lets shoppers pay over time without late or hidden fees. Shoppers can choose payment schedules from six weeks to 48 months for purchases at 6,000+ top U.S. merchants, including adidas, Casper, Peloton, Walmart, West Elm, and Target. By selecting Affirm at checkout, consumers find out if they’re approved in seconds, without affecting their credit. Once approved, shoppers are shown the total cost of their purchase upfront and can split their purchase into terms that work for their budget.

There is no cost to apply to use Affirm and once approved, paying for a given purchase with Affirm is simple and transparent. Affirm offers interest as low as 0% APR, which means there is no additional cost other than the product itself. At times, there is interest, which varies depending on your credit history and the pay-over-time program you choose.

Either way, the total cost is always shown upfront and payments are broken out for you — no tricks or complex calculations. The amount owed never changes and there are never late or hidden fees.

  • Consumers can shop online or in-store with Affirm at more than 6,000 retail merchants such as Walmart, Peloton, Target, Warby Parker, Dyson, West Elm and more.
  • For more information, visit

Instagram: @affirm
Twitter: @Affirm

*Content Provided and Sponsored by Affirm.

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