Affirm: Buy Now, Pay Over Time.
Affirm Installment payment options:
Transform your shopping experience with flexible and convenient payment plans through Affirm. Here's how it works:
1. Choose Your Payment Plan
- Pay in 4: Split your purchase into four easy bi-weekly payments with zero interest and zero hidden fees. First of 4 payments is due at time of purchase. Ideal for purchases between $50 and $249.99.
- Pay Monthly: Select a personalized payment plan from 3 to 36 months, with interest rates varying based on your chosen terms and credit score. Some plans even offer 0% APR. This option is ideal for purchases ranging from $100 to over $3,000, allowing you to spread out the cost and pay over time! And of course, no fees for paying off early!
2. Apply at Checkout
- Select Affirm as your payment method during checkout.
- Enter a few basic details for an instant approval decision.
- Choose the payment plant that best suits your budget.
3. Complete Your Purchase
- Once your Affirm payment plan is confirmed, finalize your purchase and wait for your order to arrive.
- Make timely payments via the Affirm app or website.
- Stay on top of your finances with transparent payment schedules and reminders.
Example: Suppose you've discovered a stunning $2,000 sofa that would complete your living room. With Affirm, you can enjoy the new sofa while paying for it in four interest-free installments of $500 each or select a monthly payment plan that aligns with your finances.
Using Affirm for your purchase won't impact your credit score, though keep in mind that your payment history might be shared with credit bureaus.
Now you can create your dream home with the convenience and flexibility of Affirm – making it easy to invest in the furniture you love without overextending your budget.
A Closer Look at Affirm
Choose the Best Payment Plan for Your Purchase:
1. Pay in 4:
For purchases between $50 and $249.99, Affirm's Pay in 4 option allows you to split your purchase into four interest-free payments. Make a down payment at the time of purchase and pay off the remaining balance over three additional bi-weekly payments. This plan makes it easier to manage your budget while still enjoying the items you want, and choosing Pay in 4 has no impact on your credit when you apply but may impact your score based on repayment behavior.
2. Monthly Payments:
Use this chart to find the ideal monthly payment plan based on your cart size. Both 0% interest plans and variable (0 to 36%) interest plans are available to suit your needs. Variable interest rates will vary based on your chosen terms and credit score. Payment behaviors may be reported to credit bureaus.
Please refer to the options available for your cart size to make the best choice for your purchase.
Cart Size |
0% Interest Plans |
Variable Interest Plans |
| $100-$699 | 3 months | 6/12 months |
| $700-$1699 | 3 months | 6/12/18 months |
| $1700-$2999 | 3/6 months | 12/18/24/36 months |
| $3000+ | 3/6 months | 12/18/24/36 months |
Disclaimer: Please note that all available plans above are subject to change over time without notice, so check back here for the most up-to-date information!
Affirm Eligibility and Requirements
1. Eligibility Criteria
- Location and billing address: You must reside within the United States (U.S.) and use a payment card with a United States billing address.
- Age requirement: Must be at least 18 years old, or 19 years old if residing in Alabama or if you are a ward of the state in Nebraska.
- Affirm registration: You need to be registered for Affirm to use the installments feature.
- Social Security number: Must provide last 4 of Social Security number and must be a valid Social Security number.
- Phone number: U.S. or U.S. territory phone number that receives SMS.
- Currency: All transactions must be carried out in USD. Using another currency will disable the installment option.
- Order value: Your order total must be between $50 USD and $3,000+ USD, including shipping and taxes.
2. Payment method restrictions
- Accepted cards: You can pay using a supported debit or credit card. Credit cards are only accepted for bi-weekly installment plans.
- Excluded cards: Capital One and Chase credit cards, as well as all prepaid cards, are not accepted.
- Digital wallets: Transactions using Affirm are not compatible with digital wallets such as Apple Pay.
- Single store purchase: Purchases must be from a single store. Orders combining products from multiple stores are not eligible for Affirm.
3. Compatibility and address limitations
- Shipping addresses: Cannot support deliveries to United States army post office (APO) military APO addresses or P.O. boxes.
4. Updating personal information
- Mandatory updates: Changes in your personally identifiable information (PII), such as your phone number or email address, require updates with Affirm before a new installment purchase can be made. Payments to existing orders can still be processed during this update period.
5. Loan Details and Terms
- Loan amounts: Vary based on purchase and individual credit profile.
- Interest rates: 0% or higher depending on plan chosen.
- Term lengths: Usually 3, 6, 12, 18, 24 or 36 months; with some exceptions for larger or smaller loans*
- Down payments: May be required depending on purchase and credit profile.
- Late fees: None.
- Credit score impact: Late payments may affect credit score.
6. Credit considerations
- Credit adjustments: Any credit freeze or lock must be lifted before Affirm can process your application. These actions can be implemented online, by phone, or via mail.
7. Purchase type and shipping limitations
- Subscriptions and B2B: Shop Pay Installments cannot be used for subscription orders or business-to-business (B2B) transactions.
- Shipping for physical products: If ordering physical products, then the shipping address must be within the United States. Customers in U.S. territories, including Puerto Rico, are not eligible for Shop Pay Installments.
Affirm Payments, Refunds and Troubleshooting
1. Payment Schedule
- Down payment: May be required based on the purchase and credit profile at checkout.
- Payment frequency: After your first payment, you're charged either biweekly or monthly, depending on the payment option that you chose.
- Payment reminders: Sent by email and SMS before each payment due date.
- Payment customization: Not possible after you agree to the initial terms of your loan, but extra payments can be made without penalties.
2. Late Fees and Credit Reporting
- Late fees: None for Affirm loans.
- Credit impact: No impact when applying for Pay in 4 installments or shorter-term monthly loans as illustrated in the "A Closer Look at Affirm" section above. Late payments may affect credit score.
3. Refunds on orders paid with Affirm
Contact Millennial Furniture here to request a refund. This is subject to approval and will be based on terms located on our return policy located here. While you’re waiting for your refund, you need to continue to make any payments that are due.
The following are key details you need to know about getting a refund when you’ve used Affirm:
- Refund timing: If a refund is approved, it will appear on your original payment method within 3 to 10 business days, and your installments balance and payments will automatically be updated.
- Refund application: The refund is first applied to any outstanding installment balance of the order. Any remaining refund amount is then returned to your original payment method.
- Refund notification: You will receive an email from Affirm explaining how the refund was allocated between your remaining balance and your payment method.
- Paid interest: Affirm does not refund any paid interest.
4. Updating payment methods
Here's how to update your payment methods for both future purchases and existing Affirm installment orders:
- For future purchases: Updating the payment method in your Affirm account affects only future purchases with Affirm. This change will not impact the payment method for existing installment orders.
- For existing installment orders: To change the payment details for ongoing installment payments, you must update the payment method specifically for each existing Affirm order.
5. Troubleshooting
- Order not visible: Check your Affirm account or contact Affirm customer support.
- Overpayments: Affirm will automatically refund the payment method used or credit the overpayment towards the total loan balance.
Step By Step Instructions:
Affirm Walkthrough:
Shop Pay: Shop Now, Pay on Your Terms.
Shop Pay Installment Options:
Upgrade your shopping experience with Shop Pay's convenient and flexible payment plans. Here's how it works:
1. Select Your Payment Plan
- Pay in 4: Split your purchase into two or four interest-free bi-weekly payments. Ideal for purchases up to $999.99.
- Pay Monthly: Choose from 3, 6, or 12-month installment plans for purchases of $150 or more. Interest rates may apply depending on the chosen plan.
2. Apply at Checkout
- Choose Shop Pay as your payment method when you're ready to make a purchase.
- Enter your shipping and billing information.
- Select your preferred payment plan.
3. Complete Your Purchase
- Once your Shop Pay payment plan is approved, finalize your purchase and anticipate the arrival of your order.
- Manage your payments conveniently through the Shop app or website.
- Receive timely payment reminders and track your payment history with ease.
Example: Imagine you've found a gorgeous accent chair priced at $600. With Shop Pay, you have the flexibility to split the cost into four interest-free payments of $150 each or opt for a monthly payment plan that best fits your budget.
Shop Pay offers an instant approval decision at checkout, ensuring a seamless shopping experience. Plus, you can easily keep track of your payment schedule and history through the user-friendly Shop app or website.
Now you can shop with confidence knowing that Shop Pay's flexible payment options empower you to invest in the furniture you love while maintaining financial flexibility.
A Closer Look at Shop Pay
Choose the Best Payment Plan for Your Purchase:
1. Pay in 4:
For purchases between $50 and $999.99, Shop Pay's Pay in 4 option allows you to split your purchase into four interest-free payments. Make a down payment at the time of purchase and pay off the remaining balance over three additional bi-weekly payments. Pay in 4 has no impact on your credit when you apply but may impact your score based on repayment behavior.
2. Monthly Payments:
Use this chart to find the ideal monthly payment plan based on your cart size. Both 0% interest plans and variable (0 to 36%) interest plans are available to suit your needs. Variable interest rates will vary based on your chosen terms and credit score. Payment behaviors may be reported to credit bureaus.
Please refer to the options available for your cart size to make the best choice for your purchase.
Cart Size |
0%-36% Variable Interest Plans |
Additional Terms |
| $150-$30,000 | Varied but usually 3/6/12 months or more* depending on cart size and credit factors. | Repayment period options displayed at checkout. |
| $20,000.01+ | Varied but usually 3/6/12 months or more* depending on cart size and credit factors. |
Down payment for purchase amounts that exceed $20,000 USD, with the remaining balance usually split into 3, 6, 12 or more monthly installment payments depending on the options available at checkout. |
Disclaimer: Please note that all available plans above are subject to change over time without notice, so check back here for the most up-to-date information!
Shop Pay Installments Eligibility And Requirements
1. Eligibility criteria
- Location and billing address: You must reside within the United States (U.S.) and use a payment card with a United States billing address.
- Age requirement: Must be at least 18 years old, or 19 years old if residing in Alabama or if you are a ward of the state in Nebraska.
- Shop Pay registration: You need to be registered for Shop Pay to use the installments feature.
- Currency: All transactions must be carried out in USD. Using another currency will disable the installment option.
- Order value: Your order total must be between $50 USD and $30,000 USD, including shipping and taxes.
- Prohibited items: Orders cannot include any form of currency, including virtual and digital currencies such as gift cards.
2. Payment method restrictions
- Accepted cards: You can pay using a supported debit or credit card. Credit cards are only accepted for bi-weekly installment plans.
- Excluded cards: Capital One and Chase credit cards, as well as all prepaid cards, are not accepted.
- Digital wallets: Transactions using Shop Pay Installments are not compatible with digital wallets such as Apple Pay.
- Single store purchase: Purchases must be from a single store. Orders combining products from multiple stores are not eligible for Shop Pay Installments.
- Final approval: Even if all criteria are met, final approval for Shop Pay Installments is determined by Affirm on a case-by-case basis.
3. Compatibility and address limitations
- Shipping addresses: Cannot support deliveries to United States army post office (APO) military APO addresses or P.O. boxes.
4. Updating personal information
- Mandatory updates: Changes in your personally identifiable information (PII), such as your phone number or email address, require updates with both Shop Pay and Affirm before a new installment purchase can be made. Payments to existing orders can still be processed during this update period.
5. Loan Details and Terms
- Loan amounts: Vary based on purchase and individual credit profile.
- Interest rates: 0% or higher depending on plan chosen.
- Term lengths: Usually 3, 6, or 12 months; with some exceptions for larger or smaller loans*
- Down payments: May be required depending on purchase and credit profile.
- Late fees: None.
- Credit score impact: Late payments may affect credit score and ability to use Shop Pay in the future.
6. Payment details and options
- Order total display: Interest fees owed are not included in the order total displayed in the Shop app.
- Installment display options: The product display page shows bi-weekly installment options; monthly installments might be available at checkout but won't be displayed initially.
7. Account modifications
- Opting out: You cannot opt out of Shop or Shop Pay while there are active installments being paid. Opting out is only possible once all payments are completed.
8. Credit considerations
- Credit adjustments: Any credit freeze or lock must be lifted before Affirm can process your application. These actions can be implemented online, by phone, or via mail.
9. Purchase type and shipping limitations
- Subscriptions and B2B: Shop Pay Installments cannot be used for subscription orders or business-to-business (B2B) transactions.
- Shipping for physical products: If ordering physical products, then the shipping address must be within the United States. Customers in U.S. territories, including Puerto Rico, are not eligible for Shop Pay Installments.
Shop Pay Payments, Refunds and Troubleshooting
1. Payment schedule
- Down payment: May be required based on the purchase and credit profile at checkout.
- Payment frequency: After your first payment, you're charged either biweekly or monthly, depending on the payment option that you chose.
- Payment reminders: Sent by email and SMS before each payment due date.
- Payment customization: Not possible after you agree to the initial terms of your loan, but extra payments can be made without penalties.
2. Late fees and credit reporting
- Late fees: None for Affirm loans.
- Credit impact: No impact when applying for Pay in 4 installments or shorter-term monthly loans as illustrated in the "A Closer Look at Shop Pay" section above. Late payments may affect credit score.
3. Refunds on orders paid with Shop Pay Installments
Contact Millennial Furniture here to request a refund. This is subject to approval and will be based on terms located on our return policy located here. While you’re waiting for your refund, you need to continue to make any payments that are due.
The following are key details you need to know about getting a refund when you’ve used Shop Pay Installments:
- Refund timing: If a refund is approved, it will appear on your original payment method within 3 to 10 business days, and your installments balance and payments will automatically be updated.
- Refund application: The refund is first applied to any outstanding installment balance of the order. Any remaining refund amount is then returned to your original payment method.
- Refund notification: You will receive an email from Affirm (in partnership with Shop Pay) explaining how the refund was allocated between your remaining balance and your payment method.
4. Updating payment methods
Here's how to update your payment methods for both future purchases and existing installment orders:
- For future purchases: Updating the payment method in your Shop Pay account affects only future purchases with Shop Pay. This change will not impact the payment method for existing installment orders.
- For existing installment orders: To change the payment details for ongoing installment payments, you must update the payment method specifically for each existing Shop Pay Installments order.
5. Troubleshooting installment orders
If you're encountering issues with your installment orders, consider the following common problems and solutions:
- Order not visible: If you cannot see your installment order in your Shop Pay account or the Shop app, then check that you are logged in with the same email address used for the order. This is the email where you received the order confirmation.
- Overpayments: In cases where you've accidentally overpaid on your total installment balance, Affirm will automatically refund the payment method you used. If the overpayment occurred on a single monthly payment, then the additional funds will be credited towards your total installment balance.