Quick and easy
Select Affirm as your payment method at checkout and get payment options tailored to your cart.
No hidden fees
Affirm helps you break up your purchases into payments you can count on. With no fees or surprises, you always know exactly what you owe.
Quick eligibility check
At checkout you'll be asked to enter a few pieces of information to check your eligibility in real time. This won't affect your credit score.
Here's how it works
1. Select Affirm as your payment method at checkout.
Enter a few pieces of information for a real-time decision. This check doesn't affect your credit score.
2. Choose a payment plan
See what payment plans are available for your purchase. There are no hidden fees.
3. Pay over time
Make payments at affirm.com or in the Affirm app. Watch for text and email reminders when a payment is coming up.
Pay in 3 to 48 equal monthly payments. Rates are between 10 to 36% APR.
3, 6, or 12 months on purchases of $50 or more
12 months on purchases of $100 or more
18 months on purchases of $250 or more
24 months on purchases of $500 or more
48 months on purchases of $1500 or more
Frequently asked questions
When will my payments start?
Your Affirm payment schedule will be finalized once all of your items have shipped (or after 300 days, whichever comes first). When you check out, Affirm will give you an estimate of when your first payment will be due. Sometimes, you may be required to make a down payment at checkout.
How do I make my payments?
After the last item your order has shipped, you'll get a confirmation email from Affirm with your payment schedule. You can then make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due, or you can turn on the AutoPay option.
Can I pay off my purchase early?
Yes! There's no penalty for paying early.
Does checking my eligibility affect my credit score?
No, your credit score won't be affected when you create an Affirm account or check your eligibility. If you decide to buy with monthly payments through Affirm, your payments may be reported to credit bureaus.
What purchases can I make with Affirm?
You can use Affirm to pay over time for a variety of our products at Winkette Creations like jewelry, watches, keychains, home decor and more. Affirm is not eligible for purchases under $50.
Can I use Affirm for a purchase outside the US?
Right now, if you're shipping your purchase outside the US, you won't be able to use Affirm to pay for it. We're working to expand eligibility to include international purchases.
Do I need a mobile number to use Affirm?
Yes, you'll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it's really you who is creating your account and signing in.
What if I've been declined by Affirm in the past?
When you apply to pay over time, Affirm takes into account a number of factors, which can change, depending on when you apply and where you're shopping.
So you may still be able to pay over time at Winkette Creations using financing provided by Affirm, even if you had an application that wasn't approved in the past. Checking your eligibility won't affect your credit score.
Can I customize my payment option?
Affirm offers the payment options you qualify for based on your purchase from Winkette Creations and your application. Certain purchases may qualify for multiple payment options. In such cases, you can choose your preferred payment plan at checkout.
Still have questions?
If you have a question about your Affirm payment plan, please visit Affirm's help center.