Affirm Brand Showcase
Flexible Plans
Choose the payment option that works best for you and your budget.
Transparent Payments
That means we won't surprise you with hidden fees, late fees, or fine print.
Real-time Decision
Just answer a few questions at checkout, with no impact on your credit.
Here's How It Works
Add $500 or more of eligible products to your Costco.com cart Many items online are eligible. See details at checkout.
Select Affirm as your payment method at checkout on Costco.com Enter a few pieces of information for an real-time decision. This won't affect your credit.
Pick a payment plan Pay in 3, 6, 12, 18, 24 and 36 months. Rates are between 10-36% APR.
Pay over time Easily make payments in the Affirm app or at affirm.com. You can also set up automatic payments.
Here's what a payment plan for a $815.89 purchase at 20% APR could look like
Refer to the additional details below for more information.*
Ready to Start Shopping?
FAQs
How do I make my payments? You can then make or schedule payments at affirm.com or in the Affirm app (available 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.
Can I return an item I bought with Affirm? Yes, simply initiate the return process with Costco.
Does checking my eligibility affect my credit? No, your credit won't be affected when you create an Affirm account or check your eligibility (including checking your prequalification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it's considered a soft inquiry, which does not affect your credit. If you decide to buy with monthly payments through Affirm, your payments may be reported to credit bureaus. You can find more information on Affirm's Help Center.
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.
Where can I learn more about Affirm? You can visit their website at affirm.com.
Additional Details *Disclosure: Your rate will be 10-36% APR based on credit. Rates of 0-9.99% APR may be available on limited time promotions. For example, a $815 purchase might cost $72.95 per month over 12 months at 20% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. For licenses and disclosures, see affirm.com/licenses. Additional APR discounts for eligible customers available for a limited time from November 27th, 12:00 AM PST until December 13th at 11:59 PM PST. For carts, $500.00 - $999.99, the standard 2% APR discount will apply. For Carts, $1,000.00 to $17,500.00 there is a 10% total APR discount. Your rate cannot be lower than 0% APR. Costco membership required for in-warehouse shopping.