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- Microcredit providers like Affirm offer ways to buy what you need when you need it.
- Affirm lets you pay for online purchases over a period of time (usually three, six, or 12 months).
- Annual Percentage Rates (APR) range from 0-30% and Affirm does not charge any additional fees.
Maybe you’re working on a tight budget, but you need to buy an essential, you want to take advantage of an online sales event, or you have gifts to buy for everyone in your life, what do you do? you ? Short of having an awkward conversation with a friend or family member to borrow money, there’s now an easier and more convenient way to manage how you pay for your online purchases, on your own terms. .
Affirm is a payment option that you will see when you check your cart on many online shopping sites. It’s especially useful for large purchases like furniture and mattresses because it lets you pay them back over a period of time (usually three, six, or 12 months).
Annual Percentage Rates (APR) vary widely with Affirm, ranging from 0% to 30%, so you’ll want to compare and contrast with other loan options first, including credit cards. That said, you will always see in advance the total amount of interest you will pay. Affirm does not charge any additional fees.
You can apply for a loan while shopping at one of Affirm’s many partner stores, which include brands in women’s and men’s fashion, furniture, kitchenware, appliances, sports and fitness , electronics, jewelry and watches.
At checkout, you will see something like below:
From there, you can create an account, get loan approval, and pay off your purchase at a pace that works for you.
You can see below which online retailers accept Affirm.
They are divided by category and we have also marked those that offer loans from 0% APR with an asterisk.
While there are more established companies, many are emerging startups changing the way you shop for things like shoes, eyewear, and homewares. Partnering with Affirm is just another way they are modernizing and simplifying the online shopping experience.