How do I apply for a loan?

To apply for a loan at

  1. Fill your cart, then select Affirm at checkout.
  2. Enter your mobile number, then select Continue.
  3. If it’s your first time applying, create an account with Affirm. If you already have an account, this step is skipped.
  4. Enter the 4-digit PIN just texted to your phone.
  5. See your loan decision.

How long do I get to pay off a loan?

Loans usually last 3, 6, or 12 months, and you get to pick from these options when you apply. There are exceptions to this, so please read on.

Longer (or shorter) options

For really large loans, you might get an option for up to 48 months. For much smaller loans, you may get 1–3 months, without the option to pay over a longer period.

Changing the options

Your options change depending on the store, your purchase, and your current credit profile. So if you don’t like your options this time around, you can also try again later for something else.

How to find the term length

No matter what, we’ll always be upfront about how long you have to pay us back. We’ll show you the loan’s length when you apply. And we’ll continue to show this and other important details on your Affirm account.