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What is Affirm Financing?

  • Affirm is a financing alternative to credit cards or other credit-payment products. Affirm offers instant loan decisioning for online purchases to be paid in fixed monthly installments over 3, 6, or 12 months. For example, a $500 purchase might cost $44/month at 10% APR over 12 months. A down payment may be required. Rates are between 10-36% APR.
  • Although Affirm performs a credit check when you apply for a loan, this won't impact your credit score. However, if you're approved and decide to buy with Affirm, your loan and payments may affect your credit score. Paying on time can help you build a positive credit history.
  • Learn more about Affirm
  • How to Shop with Affirm

    Buy Now, Pay Later with Affirm

    Shopping online at sherpers.com:

    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, you'll be prompted to create an account.
    4. Enter the 4-digit verification code texted to your phone.
    5. See whether you're approved for your purchase.

    How long will it take to receive my order?

    Your order ships right away! Affirm orders ship via the same standard shipping methods as all other products on our website. Please refer to the shipping information on the product page for shipment information pertaining to your particular product.

    Does Affirm charge fees?

    Affirm does not charge any fees. This means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.

    Interest with Affirm

    Your APR may be different depending on your creditworthiness and where you are shopping. The APR for your plan will be shown when you check out with Affirm.


    At checkout, Affirm will always show the total amount of interest you'll pay. This way, you always know what you're getting into. If you pay faster than agreed, you might be charged less interest. 


    For Affirm Card purchases, the plan total may differ from what you saw at checkout. Refer to the email you received when your payment plan was finalized to see the final payment plan balance and installment amounts.

    What if I need to return my item?

    We understand that sometimes items don't work out! No worries - simply follow our standard return policy, and payment for all qualifying returned items are submitted back to Affirm, paying off the loan amount.