How it works
Choose Affirm at checkout (or in the Affirm app), see your options, and pick a plan. Short purchases can be split into four interest-free payments every two weeks. Bigger purchases can go on a monthly plan, and the total cost is shown before you agree.
What it costs
Pay in 4 is interest-free. Monthly plans carry an APR that depends on your credit and the store, from 0% promotional offers up to about 36%. Affirm says it doesn't charge late fees or hidden fees, so the interest shown up front is the cost.
Credit checks and reporting
Checking what you qualify for uses a soft credit check, which doesn't affect your score. Since 2025 Affirm reports its pay-over-time loans, including Pay in 4, to Experian, so on-time and late payments can show up on that credit file.
Good to know
Affirm is behind Shop Pay Installments at many Shopify stores and also offers the Affirm Card for paying over time in stores.
Terms checked October 2026. Services change their terms, so the terms shown at checkout are the ones that count.