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FX live, 150 of 153 currencies refreshed 16 Oct 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
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%.
In force since 12 Dec 2021
6.41% effective
−7.2% relative · from 6.45%
−18.8% relative · 4 revisions
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Every recorded change, newest first, with the movement from the rate it replaced.
12 Dec 2021 → current
3 Nov 2020 → 12 Dec 2021
30 Jan 2020 → 3 Nov 2020
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 |
1 Jan 2019 → 30 Jan 2020