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Product Financing

Get approved for 0% APR Financing*

Simple, no-fuss financing

Buy now, pay later. Affirm lets you shop stress‑free, with no late fees and no surprises. What you see at checkout is all you pay, at a schedule that suits your budget. With loans starting at 0% APR for 6, 12, 18, 24 or 36 months, choose the payment plan that works for you.

1. Pre-qualify

Discover your shopping budget before you buy with rates starting at 0% APR.

2. Create your Joybird piece

Pick the piece you’ve been dreaming of and add it to your cart. Then, check out with your chosen lender.

3. Receive your Joybird piece

We’ll deliver your Joybird so you can start enjoying it right away, while you pay for it on a schedule you’ve created.


What is required to pre-qualify?

Your Affirm account is created using your name, email, mobile phone number, birthday, and the last 4 digits of your SSN. This combination helps Affirm verify and protect your identity.

Does Affirm perform a credit check?

Yes, but it will not affect your credit score. When you first create an Affirm account, Affirm performs a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.

Is my personal information secure with Affirm?

Yes, protecting your personal information is very important to Affirm. Affirm encrypt sensitive data including Social Security numbers. Affirm also maintains physical, electronic, and procedural safeguards to protect your information. Affirm does not sell or rent your information to anyone.

The right financing, right away

Get a decision immediately on a loan that fits your budget. See if you qualify for financing in only a few clicks. With immediate processing, it only gets easier from there. Loan confirmation and payment reminders are sent via email and text. Sit back and enjoy your new furniture.

Payment done your way

Pick a payment plan that suits your budget. Need new furniture, plus a little extra time to pay? Flexible financing from Affirm lets you choose the loan that works best for you.
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No deferred interest. No hidden fees. No catch.

*As an example, a $2,000 Joybird purchase might cost $112/mo over 18 months at 0% APR. Your rate will be 0% APR or 10–30% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.