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• Microloan 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 with a tight budget, but you need to buy an important 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? 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) vary widely with Affirm, ranging from 0% to 30%, so you’ll want to compare and contrast with other loan options including credit cards first. That said, 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, kitchenware, home appliances, 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.

They’re divided by category and we’ve also designated which ones offer loans starting at 0% APR with an asterisk.

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. 

Here are 80+ stores that accept Affirm