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Affirm · Launched 2012
US instalment financing across short 0% APR terms and longer interest-bearing loans. Merchant fees scale with how much of the interest cost the merchant subsidises.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Affirm typical merchant fee range 2–8%.Official site ↗
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Online pricing across every country where this method is available, with the cost on a CA$100.00 payment for comparison.
| Market | Listed fee | Cost on 100 | Effective | Since | Basis |
|---|---|---|---|---|---|
| Canada | 5.99% + CA$0.42 | CA$6.41 | 6.41% | 12 Dec 2021 | Estimate |
 United States |
| 5.99% + $0.30 |
| $6.29 |
| 6.29% |
| 23 Mar 2025 |
| Estimate |
Every recorded change, newest first, with the movement from the rate it replaced.
In Canada, on the online channel: 5.99% + CA$0.42, in force since 12 Dec 2021 (estimate). Fees differ by market and channel, and the table above lists each one.
It is priced in 2 markets here: Canada, United States. A market missing from the list has not been recorded yet, which does not mean Affirm is unavailable there.
It is recorded as 2-3 days. Actual timing can depend on cut-off times and on the receiving account.
Not through a chargeback: it has no chargeback process, so a payment is hard to reverse once sent. Check who you are paying before you confirm.
Yes. It is a payment method businesses accept, and the fees shown are what a merchant pays to be paid through it.
