What Sites Use Affirm? Your Comprehensive Guide to Buy Now, Pay Later Retailers

Affirm has become a major player in the Buy Now, Pay Later (BNPL) landscape, offering consumers a flexible way to finance purchases over time. Thousands of online retailers now partner with Affirm, spanning a wide range of industries, making it easier than ever to split your payments into manageable installments.

Diving Deep: Where Can You Use Affirm?

The list of sites accepting Affirm is constantly evolving, but here’s a comprehensive overview of categories and specific retailers where you’re likely to find Affirm as a payment option:

• Apparel and Fashion: This is a hugely popular category for BNPL. Expect to find Affirm at stores like Adidas, Madewell, ASOS, Reformation, Lululemon, Levi’s, Steve Madden, and Urban Outfitters. Many smaller boutique brands also leverage Affirm to attract customers.

• Electronics and Technology: Big-ticket electronics often benefit from payment plans. Look for Affirm at Apple (for certain products), Samsung, Dyson, Best Buy (occasionally, depending on promotions and specific items), Dell, and various online computer component retailers.

• Home Goods and Furniture: Furnishing your home can be expensive. Retailers like Wayfair, Overstock, Pottery Barn, West Elm, Casper, Saatva, and Article commonly offer Affirm to help spread out the cost.

• Travel and Experiences: Yes, you can even finance your vacations! Affirm partners with travel sites like Expedia, Vrbo, American Airlines, and United Airlines (often through special promotions). This allows you to book flights and accommodations and pay them off gradually.

• Beauty and Cosmetics: While less common than other categories, you can find Affirm at beauty retailers like Sephora (occasionally, depending on promotions) and some smaller specialized beauty brands.

• Fitness and Sporting Goods: Fitness equipment and apparel can be costly. Retailers like Peloton, Nike, and various sporting goods stores frequently use Affirm.

• Automotive: For parts and accessories, you can often find Affirm at select auto parts retailers and tire shops.

• Other Categories: Affirm is also found in other categories like baby products, jewelry, and even some healthcare services.

Important Note: The availability of Affirm as a payment option can vary based on your creditworthiness, the specific product you’re buying, and the retailer’s policies. It’s always best to check directly at the retailer’s checkout page to confirm if Affirm is offered for your purchase.

How to Identify Sites That Use Affirm

Look for these telltale signs when browsing online stores:

• Affirm Logo: Retailers often display the Affirm logo prominently on their website, especially on product pages and in the checkout process.

• Payment Option at Checkout: Affirm will be listed as a payment option alongside credit cards and other methods.

• Estimated Monthly Payment: Many retailers will show an estimated monthly payment amount powered by Affirm directly on the product page. This helps you understand the affordability of the item.

• Affirm Pre-Qualification: Some retailers allow you to pre-qualify for Affirm financing before you even start shopping. This gives you a sense of your potential spending limit and interest rates.

Why Retailers Choose Affirm

Retailers choose to offer Affirm for several reasons:

• Increased Sales: BNPL options like Affirm can boost sales by making purchases more accessible to a wider range of customers.
• Higher Conversion Rates: Offering flexible payment options can encourage customers to complete their purchases.
• Attracting New Customers: Affirm can attract customers who might not otherwise shop at a particular retailer.
• Competitive Advantage: In a competitive market, offering BNPL can differentiate a retailer from its competitors.

Affirm FAQs: Your Burning Questions Answered

Here are some frequently asked questions about using Affirm:

1. How does Affirm work?

Affirm provides installment loans for online purchases. When you choose Affirm at checkout, you’ll go through a quick application process. Affirm assesses your creditworthiness and, if approved, offers you a loan with fixed monthly payments and a defined interest rate.

2. Does Affirm check my credit score?

Yes, Affirm performs a credit check to assess your eligibility for a loan. This check may impact your credit score.

3. What are the interest rates with Affirm?

Affirm’s interest rates vary depending on your creditworthiness and the retailer. They can range from 0% to 36% APR. It’s crucial to carefully review the loan terms before accepting.

4. Are there any fees associated with Affirm?

Affirm doesn’t charge any late fees, prepayment fees, or hidden fees. However, interest accrues from the date the loan is issued.

5. How do I make payments to Affirm?

You can make payments to Affirm through their website or mobile app. You can link your bank account or debit card to make payments automatically or manually.

6. What happens if I can’t make a payment?

Contact Affirm immediately if you anticipate difficulty making a payment. They may be able to work with you to find a solution. However, missed payments can negatively impact your credit score.

7. Can I return an item purchased with Affirm?

Yes, you can return items purchased with Affirm according to the retailer’s return policy. Once the retailer processes the return and notifies Affirm, your loan balance will be adjusted accordingly.

8. How do I contact Affirm customer support?

You can contact Affirm customer support through their website or mobile app. They offer email and phone support.

9. Is Affirm secure?

Affirm uses industry-standard security measures to protect your personal and financial information.

10. How does Affirm compare to other BNPL services?

Affirm is just one of several BNPL providers, including Klarna, Afterpay, and PayPal Pay in 4. Each service has its own terms, interest rates, and retailer partnerships. It’s important to compare your options before choosing a BNPL provider.

11. Can I use Affirm for in-store purchases?

Affirm is primarily used for online purchases, but some retailers also offer Affirm for in-store purchases through their mobile app or website.

12. What is the maximum purchase amount I can finance with Affirm?

The maximum purchase amount you can finance with Affirm depends on your creditworthiness and Affirm’s lending policies. It can range from a few hundred dollars to several thousand dollars.