List of Online Stores That Accept Affirm To BNPL

The days when you couldn’t buy now and pay later are dead and long gone. You no longer have to remove some products from the shopping cart at checkout just because you can’t pay the full price. With the BNPL program, you can buy even high-end products and pay later in installments.

Affirm is one of the companies that make buy now, pay later possible. With no hidden charges or late fees, Affirm guarantees to give you the shopping experience that paying full in cash at checkout simply never can. All you have to do is to spread out the payment from your paycheck to paycheck and stay committed to making your payments.

What is Affirm?

Affirm is a buy now, pay the later financial lender that offers installment loans to customers who need to purchase goods they wouldn’t otherwise pay for in full price at checkout. By financing your purchases at the point of sale, Affirm makes it possible for you to own any product you need at zero interest and no hidden fees.

Unlike Afterpay, an interest-free BNPL payment solution, Affirm charges a flat fee of 30% of the loan amount offered. That notwithstanding, you won’t pay more than what is on your payment schedule, even if happen to have missed making your payments on time.

Keep in mind that loans from Affirm are different from credit cards, which is why they have a fixed payment plan for all their customers.

Despite the seemingly high-interest rate for its consumer purchase loans, Affirm works with at least 11,500 retailers. Therefore you can buy anything you need at some of your favorite online stores and get a flexible payment plan.

What Online Shops Accept BNPL With Affirm? 

• Peloton
• Saks Fifth Avenue
• Purple
• Walmart
• ThredUP
• Best Buy
• Adidas
• Nike
• Pottery Barn
• Delta Vacations
• Target
• Reverb
• Nectar Sleep
• The RealReal
• Neiman Marcus
• Poshmark

How Does Affirm Work?

If you’ve chosen Affirm as your BNPL solution, you’ll first have to create an account and wait for prequalification and a spending limit. While Affirm can loan you up to $17,500, the spending limit varies from customer to customer and heavily depends on credit records.

Affirm gives you multiple payment options at checkout, so you can choose what works well for you and your budget. You can split your payment plan into four interest-free installments to pay fortnightly or spread them out to monthly installments payable in up to 36 months.

Depending on the payment plan you choose, Affirm will deduct a certain amount from your bank account or debit card to cater for the installments.

Pros

• Won’t charge you late fees
• Higher purchase amount of up to $17,500
• The interest rates of 0%

Cons

• Charge 30% interest rate 
• You might be subject to credit check
• Your transaction might be rejected even if you prequalify for the offer 
• Customer service can be difficult to reach in case of difficulties

Conclusion

Affirm may be an expensive BNPL layer option. But it offers a flexible payment plan that should be easy to keep up with even if you’re on a tight budget. Plus, they don’t charge you for late fees, although we strongly recommend making timely payments for the sake of your credit score.