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Shopping with BNPL Options: Who Accepts Affirm?

Popular Buy Now, Pay Later Options

Looking to make a purchase but don’t want to break the bank? Affirm Payments might be your answer! Affirm is a service that allows customers to split their purchase into smaller, more manageable payments spread out over time which makes large purchases more accessible and convenient for the customer. 

To help you out, we’ve compiled the list of stores that accept Affirm Payments, so you can shop smarter and save big. Get ready to explore the wide range of stores offering this convenient payment option and feel good about your purchase!

What Stores Accept Affirm Payments?

Shopping with Affirm from stores and retailers

Affirm’s selection of retailers includes top brands such as Amazon, Walmart, Target, Apple, and many more. This means that you can use Affirm to finance purchases at a wide variety of online and offline stores and retailers.

Check out our list of the most popular ones:

  • Amazon – shop online and use Affirm to purchase your favorite  items; 
  • Best Buy – purchase electronics and appliances; 
  • Dollar Tree – buy anything you like, including food and snacks;
  • DSW – buy shoes and other apparel;
  • Home Depot, Sears – buy tools and other hardware home goods;
  • H&M, Nike, JCPenney, J Crew, Macy’s, T.J. Maxx – buy clothes, shoes, and accessories. 

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Shopping with Affirm for subscription services

If you use services like Amazon Prime, Netflix, or Apple Music, you’re probably familiar with the large monthly payments that come with these services. If you don’t have great credit, it can be hard to secure a credit card. This makes it difficult to subscribe to many of these services because you need a reliable source of income to pay for the monthly costs. Affirm can solve this problem for you!

Shopping with Affirm for medical care and services

Affirm can be a great way to cover the cost of medical care and services, especially if you lack traditional credit and don’t qualify for other financing services.

Shopping with Affirm for travel

Travel can be an exciting but costly experience. Most people don’t have tens or hundreds of thousands of dollars sitting around to pay for a trip. That’s why using travel financing services like Affirm can help make travel more accessible and affordable.

Of course, this isn’t an exhaustive list. Check out the full list here.

How to Use Affirm Payments

To use the service, you’ll need to create an Affirm account first. If for some reason you’d want to delete the account later, you can do it any time on the company’s website.

Using Affirm Payments is simple. Whether you’re shopping online or in-store, follow these 3 simple steps: 

1) Pick a product you want to purchase. 

2) Choose a payment plan. 

3) Pay for your purchase.

Voila! Your purchase is completed!

Benefits of Affirm Payments

Just like other BNPL options, Affirm has lots of benefits:

– The service is convenient and affordable: You can make a larger purchase now and pay over time. 

– Payment plans are flexible: You can choose the terms that suit you best. 

– Durable goods: You can buy big-ticket items like appliances or furniture. 

– No credit check: Get approval without having to deal with a credit check. 

– No annual fee: There are no annual fees or interest rates. 

FAQs About Affirm Payments

  • How much does Affirm Payments cost? 

There’s no cost for using Affirm Payments. However, there’s a financing fee that is a percentage of the total amount of your purchase. 

  • How long does the application process take? 

The application process can take up to 24 hours. 

  • How do I get approved for Affirm Payments? 

To get approved, you’ll need to provide some information about yourself, like your social security number and your address. 

  • Can I apply for Affirm Payments if I have bad credit? 

Yes! You don’t need good credit to get approved for Affirm Payments. 

  • Can I use Affirm Payments on items other than clothing? 

Yes! Affirm Payments are accepted at thousands of stores that sell a wide range of products, including furniture, appliances, and more. 

  • How do I return an item I purchased on Affirm Payments? 

If you want to return an item, simply contact the store where you made the purchase.


Affirm Payments is a convenient and affordable way to make a larger purchase now and pay for it over time. There’s no credit check required, and you can choose the payment plan that suits your budget. Shop at your favorite stores and get the best shopping experience with Affirm!

Comments 2
  1. I need to know what stores can accept Affirm some stores doesn’t and it’s really hard to find a store that can. Please reach out when you have a chance. Thanks

    1. Hi Kalli, thank you for your inquiry about which stores accept Affirm. You’re right, not all stores offer Affirm as a payment option, and it can sometimes be challenging to find ones that do. If you are looking for stores beyond the ones mentioned in our article, the best way is to visit the Affirm website. They have a list of partnering retailers in their shopping section. Additionally, when you shop online, you can often see Affirm listed as a payment option at checkout if it’s available. If you have a specific store in mind, you can also check their payment options on their website or contact their customer service for confirmation. Happy shopping, and I hope you find the stores that suit your needs with Affirm!

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