A man is riding Phantom XR 400

RIDE NOW, PAY LATER

CHOOSE 3, 6, OR 12 MONTHLY PAYMENTS

As an example, a $1,499 purchase might cost $135.49/mo over 12 months at 15% APR.

1. Fill Your Cart

Add everything you want to purchase to your cart and begin the checkout process.

2. Choose How You Pay

Select Affirm at checkout, then enter a few pieces of info for a real-time decision.

3. Pay Over Time

Make payments at affirm.com or in the Affirm app. You'll get email and text reminders.

RIDE NOW, PAY LATER

With Affirm, you always know exactly what you'll owe and when you'll be done paying.

TRANSPARENT

Affirm tells you up front the total amount you'll pay. That number will never go up.

FLEXIBLE

You choose the payment schedule that works for you.

FAIR

Affirm won't charge you late fees or penalties of any kind, ever.

Your rate will be 0% APR or 10–30% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Affirm financing not available for gift card purchases.