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You're working with a tight budget, but you need to buy an important essential, you want to take advantage of an online sales event, and you have gifts to buy for everyone in your life — what do you do? Short of having an awkward conversation with a friend or family member to borrow some money, there's now an easier, more convenient way to manage how you pay for online purchases, on your own terms.
Affirm is a payment option you'll see when you check out your cart at many online shopping sites. It's especially useful for large purchases such as furniture and mattresses because it lets you pay them off over a period of time (usually three, six, or 12 months). Annual percentage rates (APR) range from 0 to 30% and you'll always be shown upfront the total amount of interest you'll pay. Affirm does not charge any additional fees.
You can apply for a loan as you're shopping at one of many Affirm's partner stores, which include women's and men's fashion, furniture, sports and fitness, electronics, jewelry, and watch brands.
When it comes time to pay, you'll see something like the below:
From there, you can create an account, get approved for a loan, and pay off your purchase at a pace you're comfortable with.
You can see which online retailers accept Affirm below.
While there are some more established companies, many are up-and-coming startups that are changing the way you shop for things like shoes, glasses, and home goods. Partnering with Affirm is just another way they're helping to modernize and simplify the online shopping experience.
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Disclosure: This post is brought to you by the Insider Reviews team. We highlight products and services you might find interesting. If you buy them, we get a small share of the revenue from the sale from our commerce partners. We frequently receive products free of charge from manufacturers to test. This does not drive our decision as to whether or not a product is featured or recommended. We operate independently from our advertising sales team. We welcome your feedback. Email us at firstname.lastname@example.org.