Affirm

Transparent Installment Plans

Affirm offers simple, transparent financing with no hidden fees. You can choose a plan of 3 to 36 months, depending on your purchase. The current standard purchase limit across all Affirm services is $15,000 USD.

l  Rates from 0 - 36% APR

l  No late fees or hidden charges

l  No credit impact to apply

Cloudray supports Affirm’s full range of payment options, including Pay Now, Pay Later, Pay in 4, and Financing.

How Pay in 4 & Monthly Installments Work

How to Shop with Affirm

Step 1 Choose Affirm at checkout

Select Affirm as your payment method during checkout.

Step 2 Get Instant Approval & Plan Options

Provide a few basic details and see available payment plans instantly—ranging from 4 interest-free payments to longer monthly terms (up to 36 months).

APR ranges from 0 - 36%, based on your loan amount and selected payment term.

Step 3 Pick your plan and pay over time

Pick the payment option that works for you—from 4 interest-free payments every 2 weeks to monthly installments.

Step 4 Make easy payments

Manage payments in the Affirm app or online. You can enable autopay and track your schedule easily.