Get a decision in seconds. Checking your eligibility won't effect your credit.
Select the payment schedule you like best, then confirm your loan. We'll never charge more than you see up front.
Download the Affirm app or sign in at affirm.com. You'll receive reminders whenever a payment's coming up.
Low Installments, Pay Over Time
Simply apply, receive a decision in seconds, and choose your payment plan. Occasionally 0% APR will be offered to qualified buyers. If there is no promotional offer, the standard rates range from 0% APR or 10-36% APR. Note that a $1,000 order minimum is required to use Affirm at Maine Cottage. Payment options through Affirm are subject to an eligibility check, may not be available in all states, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.
Frequently Asked Questions
Affirm strives to keep you out of unhealthy debt by providing fair, transparent credit so you can pay over time for the things you love. We offer affordable monthly payments at a pace you choose—usually 3, 6, or 12 months—so you're in control. From day one, you know how long you'll pay, and you know how much you'll pay because we never charge late fees or other hidden fees.
No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm’s Help Center.
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.
Your APR may be different depending on your creditworthiness and where you are shopping. The exact terms that apply to your purchase will be given when you check out with Affirm.
Interest At checkout, we always show the total amount of interest you’ll pay and we never charge more beyond that. This way, you always know what you’re getting into.
No fees We don’t charge late fees, service fees, prepayment fees, or any hidden fees.
We use all major carriers, and local courier partners. Use the shipping estimator in the cart to check your shipping rates.
When you prequalify, you get an estimate of how much you can borrow. You’re not on the hook to pay back your prequalified amount until you actually borrow it. You also don’t have to borrow the full amount.
Unfortunately, we do not have any control over the underwriting decision. We would still encourage you to move forward with the transaction with an alternative payment option. Further, should you have any questions regarding your credit application with our financing partner, Affirm, visit the Affirm FAQ article: "Why wasn’t my purchase approved?". You should also receive an email in your inbox from Affirm regarding your application.
