List of Stores That Accept Affirm in 2026

Sometimes, large purchases pop up out of nowhere. Maybe your 15-year-old mattress finally hit the hay for good. Or you’ve found that special someone and now you need the ring to kick off your “I dos.”

Whatever your situation, financing solutions like Affirm could help you buy what you need now and pay it off later. Find out which stores offer Affirm financing by category and if there are any exceptions to using this service.

Compare cash advance alternatives to Affirm:

Finder Score	Max. amount per pay period	Turnaround time	Costs
9.5 Excellent EarnIn	9.5 Excellent	Up to $150/day, with a max of $1000 between paydays	1–2 business days standard; minutes with Lightning Speed	Free to use or within minutes with a fee as low as $3.99 per transfer	Access up to $150 per day, with a max of $1000 between paydays. Not available to CT or Washington, D.C. residents. Subject to EarnIn terms & conditions.	Important information EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.	Go to site View details Compare product selectionCompare	loading
8.2 Great Cleo	8.2 Great	$20 to $250	3 to 4 days or instant for a fee.	$5.99 monthly membership fee to access cash advances	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent Chime® MyPay®	9.4 Excellent	Up to $500	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)	No subscription fees; Instant transfer fee: 3% of the advance amount ($2 minimum, $5 maximum)	Access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions. MyPay is only offered in select states.	Important information MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451). MyPay eligibility: You must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). MyPay is currently only available to eligible Chime members in certain states. Other restrictions apply. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $1000 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. Your MyPay Credit Limit and Maximum Available Advance may change at any time. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. Instant funds: Option to get funds instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. SpotMe: SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH s, Pay Anyone s, or Chime Checkbook transactions. SpotMe terms and conditions. Early Pay: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Savings: Chime® Checking Account is required to be eligible for a Savings Account. The 3.75% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 0.75% APY will apply. The APYs are effective as of 02/26/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details. Credit Builder: Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent Varo Cash Advance	9.4 Excellent	Up to $250 today. Build up to $700 over time with direct deposit at Varo. Average loan: $195. Qualifications Apply.	Instant, once qualified	No membership fees, Flat Fees of $1.60 to $100	Important information Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity. If approved, initial limits range from $20- $250. Unlock higher limits up to $700 over time when you bring your qualifying direct deposit to Varo and build a positive history with us. Negative repayment history may impact credit. Fees range from $1.60 - $100 based on loan amount, and deposits to your Varo Bank Account. Your current limit and applicable fees can be viewed in the Varo App. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent OppLoans Installment Loans	9.4 Excellent	$500 to $5,000	As soon as the same business day	129% - 195% APR	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Important information The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Applications submitted on the OppLoans platform will be originated by one of our bank partners and serviced by OppLoans. Please see the Rates and Terms for details regarding the availability of products in your state of residence. Subject to credit approval and verification. Actual approved loan amount and terms are dependent on our bank partners’ standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. Installment loan amounts typically range from $500 to $5,000. Annual percentage rate (APR) ranges from 129% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms for additional information. Approval is not guaranteed. If approved, your actual rate will fall within the marketed range of rates, and will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Not all applicants will qualify for the lowest available rates. This is an expensive form of credit and you should determine whether the offered product(s) meets your financial needs. OppLoans’ Bank Partners may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. The credit inquiry will appear as a soft credit inquiry on your Experian credit report and a hard credit inquiry on your Clarity report. Therefore it will not affect your FICO credit score. OppLoans and its Bank Partners report customer payment history to the three major credit bureaus. On-time payments may improve credit score.	Go to site View details Compare product selectionCompare	loading
8.8 Great Albert Instant	8.8 Great	$25 to $1,000	Within minutes	No subscription required	Advance up to $1,000 in minutes with Albert Instant.	Important information Albert is not a bank. Savings account provided by Wells Fargo, N.A., Member FDIC. Albert plans start at $19.99/mo. Try for 30 days before you're charged. Fees auto-renew until canceled. Cancel in the app. Terms apply. Albert Instant Line of Credit is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25-$1,000. Draw fees apply. Terms and eligibility criteria including geographic restrictions apply. In some states, Albert may offer you an Albert Instant Advance instead. Limits range from $25-$1,000, subject to terms and eligibility criteria. No Albert subscription is required for Albert Instant Line of Credit or Albert Instant Advance. See Albert Terms of Use for additional important terms.	Go to site View details Compare product selectionCompare	loading

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Affirm travel websites

Craving a vacation? You can use Affirm to fund accommodation, transportation, package deals and more when you book through:

Expedia
CheapAir
CheapOair
OneTravel
Orbitz

Keep in mind that Affirm isn’t the only way to book a getaway without paying in full upfront. Some airlines, such as Hawaiian Airlines, Qatar Airways, United Airlines, KLM and more will let you reserve a seat or book a ticket at no charge — or for a small fee — if you commit to paying in full later on. And most hotels will give you the option of paying upon arrival, rather than online.

However, always read the fine print to be aware of any interest or penalty fees that might apply, and make sure you have a plan for clearing your balance down the road.

Alternatives to Affirm financing

The best alternative to Affirm financing is the method Affirm was meant to substitute in the first place: credit cards. Making an online purchase with a credit card is ideal for a few reasons, including the ability to earn rewards on your online purchases. But importantly, credit card purchases made online are exceptionally safe and typically protected by card provider policies.

Thank you for your feedback!

Written by

Gabrielle Pastorek

Publisher, Banking, Investing & Credit Cards

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Gabrielle Pastorek is an SEO strategist and publisher at Finder, specializing in banking, investing and credit cards. She's written more than 800 articles on the site and is a quoted expert in Best Company, HuffPost, Reader's Digest, MSN and MarketWatch. She's secured interviews with key stakeholders in the consumer insights industry, including a senior director at the National Retail Federation. Gabrielle has edited several creative manuscripts and holds an MFA from the University of Pittsburgh and BAs in English and French from Ohio University. See full bio

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19 Responses

LeslieJune 30, 2019

How to use Affirm for a purchase made at a store that does not indicate it at checkout?

Finder

JhezJuly 1, 2019Finder

Hello Leslie,

Thank you for your comment.

Usually, if a store allows payments using Affirm, it should be available during the checkout process. Usually, you’ll need to select “Monthly Payments with Affirm” as the payment method, enter registration and billing information, then click “Continue to Affirm.”

If this is not available at checkout, kindly ask the store, so they can walk you through or to check if they allow Affirm.

Regards,
Jhezelyn

WendyMay 3, 2019

Is Wayfair not using Affirm anymore?

AshMay 4, 2019

Hi Wendy,

Thank you for contacting Finder.

Wayfair is still accepting Affirm as one of their payment methods. Other payment options are:

*Credit/Debit Cards
*Wayfair Gift Cards and Store Credit
*Wayfair Rewards
*PayPal
*Personal Checks, Cashier’s Checks, and Money Orders
*Purchase Orders
*Wire Transfer

I hope this helps.

Please do not hesitate to reach out again to us if you have additional questions.

Cheers,
Ash

MeganFebruary 18, 2019

Does affirm have any places where you can purchase travels?

Finder

JoshuaFebruary 19, 2019Finder

Hi Megan,

Thanks for getting in touch with Finder. I hope all is well with you. :)

Yes, Affirm is available in CheapAir and Expedia where you can buy airline tickets and accommodation.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!

Cheers,
Joshua

LisaFebruary 14, 2019

Did Wayfair stop using Affirm? It does not populate at checkout anymore?

nikkiangcoFebruary 16, 2019

Hi Lisa,

Thanks for getting in touch! According to the Wayfair website, Affirm is still working to use on their website. We suggest refreshing your browser or try to call Wayfair to confirm this information. Hope this helps!

Best,
Nikki

ThomasDecember 14, 2018

Can you use Affirm to purchase a pet at a pet store?

nikkiangcoDecember 18, 2018

Hi Thomas,

Thanks for reaching out! Our list above doesn’t show pet stores. You may want to check with your pet store if they allow payments by Affirm.Hope this was helpful. Don’t hesitate to message us back if you have more questions.