Speed Boost: pagespeed-javascript Buy Now, Pay Later with Affirm | Vibe Kayaks
Skip to main content

When inspiration strikes, say yes with confidence—knowing you’ll never pay a penny more than your purchase price.

Just select Check Out with Affirm at checkout

How Affirm Works

Buying with Affirm is simple

  1. Fill your cart
    When you’re done shopping, select Affirm at checkout.
  2. Choose how you pay
    Enter a few pieces of info for a real-time decision.
  3. Pay over time
    Pick a monthly payment plan that works best for you at affirm.com or in the Affirm app. You’ll get email and text reminder.

Say yes with confidence

When you buy with Affirm, you always know exactly what you'll owe and when you'll be done paying. You’ll never pay a hidden fee—or any fee, for that matter.

  • Transparent
    Affirm tells you up from the total amount you’ll pay. That number never goes up.
  • Flexible
    It only takes a moment, and checking your eligibility won’t affect your credit score.
  • Fair
    Affirm won’t charge you late fees or penalties of any kind, ever.

Rates from 10–36% APR. For example, a $700 purchase might cost $63.18/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. See affirm.com/licenses for important info on state licenses and notifications.


Can I pay off my purchase early?

Yes! There’s no penalty for paying early.

How do I make my payments?

You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

Can I return an item I bought with Affirm?

Yes—you can return an item you bought with Affirm by initiating the return process with the store.

Does checking my eligibility affect my credit score?

No—your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in 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.