How to use Affirm

  • At checkout

    Look for the Affirm logo when completing your purchase.

  • Affirm app

    Check your purchasing power and see your payment options from the palm of your hand.

  • The Affirm Card™

    Request to pay over time for the big stuff, or just pay in full for the smaller things. It works with or without the card.

Why Affirm?

Superior Saunas wanted to make our products more accessible, believing anyone should have the right to enjoy the health benefits of thermic bathing without consequence or incredible credit card debt.

Partnering with Affirm allows us to open up our offerings to those who don't want to open yet another credit card or have a hard inquiry on your credit report.

Credit Card Debt in the U.S.

Credit cards lure us in with perks, but end up costing a lot: The average U.S. household has $6,000 in credit card debt.

With Affirm, you’ll never owe more than you agree to up front. Instead, you’ll always get a flexible, transparent, and convenient way to pay over time.

4.9 star rating average with 1.4M+ App Store reviews

Check your purchasing power, get exclusive deals like as low as 0% APR, and make payments from the palm of your hand with the Affirm app.

Download the Affirm app

Reviews from shoppers just like you

  • Pamela D.

    “I’ve been with Affirm forever. It’s a great way of getting what you want and the payment plan is affordable...Thank you, Affirm!”

  • Clint M.

    “Easy process, clear terms, incredible convenience.”

  • Isaiah P.

    "Affirm is very flexible and amazing to use. The payment plans are simple and they make the user experience very friendly and understandable.”

  • Joseph B.

    “A great way to get big ticket items if you don’t have the cash all at once.”

It’s all about you

  • Transparent

    Affirm will tell you up front the total amount you’ll pay. That number will never go up.

  • Flexible

    You choose the payment schedule that works for you.

  • Fair

    You’ll never pay late fees, penalties, or hidden interest, ever.

Questions? We’re here to help

Will Affirm impact my credit score?

Creating an Affirm account and checking your purchasing power will not impact your credit score. If you decide to buy with Affirm, these things may impact your credit score: making a purchase with Affirm, your payment history with Affirm, how much credit you've used, and how long you’ve had credit.

Am I eligible to use Affirm?

To apply, you must meet these eligibility requirements: be a resident of the U.S. (including U.S. territories), be at least 18 years old, have a social security number, and have a phone number that receives SMS. Canadian resident? You can also use Affirm inCanada.

How do I pay Affirm back?

The easiest way to manage your payments is through your account onaffirm.comor in the Affirm app. Once you sign in, you’ll be able to see your payment schedule and turn on AutoPay.

Where can I use Affirm?

Thousands of stores offer Affirm as a payment option at checkout. But if you don’t see us at checkout, you can still pay over time. See how the Affirm Card™ works. Or download the Affirm app, tell us where you’re shopping, and we’ll give you a one-time-use digital card you can use to complete your purchase online or in stores.

How does Affirm make money?

We earn a commission from businesses, and shoppers pay interest on some items. Unlike other lenders, we don’t depend on shoppers missing payments or charging you fees. Instead, we give you a great experience so you’ll come back and use Affirm again.

What does purchasing power mean?

Your purchasing power is an estimate of how much you can spend with Affirm and it’s not a guarantee. You’re not on the hook to pay back this amount until you confirm your loan at checkout. For more information, visit ourhelp center.

Need more info?

We’ve got you.

See how Affirm works

Affirm Help Center