Shop Now, Pay Later *
With Affirm, you can split your purchase into four interest-free payments.
How it Works
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Step 1: Fill your cart
Select Affirm at checkout and enter a few pieces of information for a real-time decision.
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Step 2: Choose how to pay
Select the payment schedule that works for you, then confirm your loan. We'll never charge more than you see up front.
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Step 3: Make easy payments
Download the Affirm app or sign in at affirm.com. We'll send you email and text reminders so you never miss a payment. Your purchase will be split into 4 interest free payments made every two weeks.
Frequently Asked Questions
How do I open an Affirm account?
Download the Affirm app or sign in at affirm.com.
How do I use Affirm?
After you download the Affirm app, you’ll be prompted to link it to your credit or debit card. Once that’s done, you’re ready to shop. We’ll send you email and text reminders so you never miss a payment. Your purchase will be split into 4 interest free payments every two weeks.
What payment methods does Affirm accept?
Affirm currently accepts all major credit and debit cards.
Can I return my purchase if I shop with Affirm?
Your purchase with Affirm is subject to the same return policy as all your Theory.com purchases.
For a full overview of our return policy see here. Once Theory has issued a return, Affirm will
update your payment accordingly. You can check the status of your payments in your Affirm app.
Are there late fees?
No. We will never charge a late fee, ever.


*Payment options are offered by Affirm, are subject to an eligibility check, and may not be available in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.