Loading page
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 $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.
Credit loss assumptions updated in merchant pricing.
Credit loss assumptions updated in merchant pricing.
In United States, on the online channel: 5.99% + $0.30, in force since 23 Mar 2025 (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.
