With the Affirm app, you can shop stress-free at any store and pay over timeâwith no late fees, penalties, or hidden costs of any kind.How does Affirm work? Itâs simple: â¢ Find your favorite store, fill your cart, and choose the payment option you like best.â¢ Complete your purchase online or at a physical store with Apple Pay or Google Pay.â¢ Weâll check your eligibility and then youâre good to go! (This only takes a moment and wonât affect your credit score.)You wonât be hit with late fees and youâll get more flexibility because our payment options have longer terms. Plus, weâll never charge you with penalties or hidden costs of any kind. Why youâll love using the Affirm app:â¢ Buy now and pay over time at almost any store.â¢ Get exclusive offers as low as 0% APR.â¢ Manage your account and make payments.â¢ Open a high-yield savings account with no minimums and no fees.Say yes to more of the things you love while staying true to your financially responsible self. Donât miss out on the things you love. Shop now and pay later, itâs really that simpleâdownload Affirm and pay at your own pace today.Rates from 0-30% APR. Payment options through Affirm are subject to an eligibility check, may not be available in all states, 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 Finance Lender license. Affirm savings accounts are held with Cross River Bank, Member FDIC.