does amazon take affirm

You’re scrolling through Amazon, adding items to your cart for a much-needed upgrade or a special treat. When you get to the checkout page, you might wonder if you can split that total into more manageable payments. If you’ve heard of Affirm, the popular “buy now, pay later” service, you’re likely asking: does Amazon take Affirm?

The good news is that yes, you can use Affirm on Amazon. It’s a fantastic option for budgeting, allowing you to pay for your purchases over time instead of all at once. This partnership makes it easier to handle larger purchases without straining your finances all in one go.

How to Use Affirm on Your Next Amazon Purchase

Using Affirm at checkout is straightforward. When you’re ready to buy, proceed to the payment selection screen. Look for the option to pay with Affirm—it will be listed alongside credit cards, debit cards, and gift cards. You’ll be prompted to enter a few pieces of information. Affirm will then perform a soft credit check, which doesn’t affect your credit score, and show you the exact payment plan options available to you. You can choose the schedule that works best for your budget before finalizing the purchase.

What You Can and Can’t Buy with Affirm on Amazon

Affirm is available for a wide range of products on Amazon, but there are a few exceptions. Generally, you can use it for most items sold by Amazon with a minimum purchase amount, often around $50. However, it typically cannot be used for every type of purchase. You likely won’t be able to use it for digital content like e-books or subscriptions, or for items from some third-party sellers. The best way to know for sure is to add your desired items to the cart and see if Affirm appears as a payment option at checkout.

Making Affirm Work for Your Budget

Using a “buy now, pay later” service is a powerful tool, but it’s important to use it wisely. Before you select a payment plan, be sure you’re comfortable with the monthly payment amount and the due dates. Affirm is transparent about any fees, and many plans come with 0% interest. Treat it like any other financial commitment—make your payments on time to avoid late fees and to build a positive payment history.

So, the next time you’re eyeing a new gadget or a cart full of home goods on Amazon, remember that Affirm is a convenient payment option right at checkout. It provides a clear path to manage your spending by breaking down a large total into predictable, scheduled payments, making those bigger purchases feel a little more within reach.