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Affirm Details
Affirm Details
Pay over time from 0% APR
Now you can select Affirm at checkout and split the cost into monthly instalments — from interest-free options to longer-term payment plans. No late, hidden or surprise fees.
Start shopping
Know before you owe
Get clear, upfront terms – the amount you see is what you'll pay.
Flexible payment plans
You pick the plan that works for you.
No hidden fees, ever
You won't pay late fees or hidden fees with Affirm.
Affirm is a form of credit, subject to credit check and minimum spend. Terms apply. U.K. residents, 18+ with a bank account or debit card. Missed payments could affect your financial status.
Representative example: A £900 purchase might cost £75.00/mo over 12 months at 22% Representative APR. A down payment may be required.
at checkout
How Affirm works
Discover flexible payment options
Select Affirm at checkout
Just enter a few details to see if you qualify – it will not affect your credit score.
Pick your payment plan
Choose from monthly payment options with clear, upfront terms and no hidden fees.
Pay over time
Set up AutoPay in the Affirm app or make payments at affirm.com. We'll also send you regular reminders.
FAQs
How do Affirm eligibility checks and creditworthiness assessments work?
As part of the eligibility check and creditworthiness assessment, Affirm contacts the credit reference agencies, but this will not affect your credit score or be seen by any other lender. We may ask you some questions about your personal circumstances and consider multiple factors to make a decision if our product will work for you and is financially sustainable. Even if you've passed our eligibility check and creditworthiness assessment, we reserve the right to refuse any application or to refuse a loan for certain purposes.
Will Affirm impact my credit score?
When creating an Affirm account and seeing if you qualify, a soft credit check is performed. Checking your eligibility won't affect your credit score. If you decide to buy with Affirm, these things may affect 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 check your eligibility to use Affirm, you'll need:
- To be 18 years of age or over
- To be a resident of the United Kingdom
- A valid UK Driving Licence or Passport
- A UK bank account which supports direct debit or a debit card
- An SMS-capable UK phone number
- To meet the minimum cart size required to use Affirm at checkout
Does Affirm charge interest and fees?
Fees — We don't charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.
Interest — Depending on the size of your purchase and where you're shopping, your payment plan may include interest. You'll never owe more interest than you agree to on day one — so you always know exactly what you pay upfront.
Where can I find out more information about using Affirm?
Visit Affirm's website at help.uk.affirm.com.
