Affirm lets you pay off large online purchases over time — here are 60+ stores across home, fashion, and travel that accept it

• It’s now easier and more convenient to buy the things you need, when you need them, with microloan providers like Affirm.
• Affirm is a payment option that lets you pay for online purchases over a period of time (usually three, six, or 12 months).
• Annual percentage rates (APR) range from 0-30% and Affirm does not charge any additional fees.
• It’s available at 60+ of our favorite online retailers, including mattress, home and kitchen, and clothing brands.
• If you’re strapped for cash, consider using Affirm to help you buy essential supplies or cross off your gift list without stressing over your budget.
• Check out Business Insider Coupons to potentially save in your next online purchase.

You’re working with a tight budget, but you need to buy an important essential, you want to take advantage of an online sales event, and you have gifts to buy for everyone in your life – what do you do? Short of having an awkward conversation with a friend or family member to borrow some money, there’s now an easier, more convenient way to manage how you pay for online purchases, on your own terms.

Affirm is a payment option you’ll see when you check out your cart at many online shopping sites. It’s especially useful for large purchases such as furniture and mattresses because it lets you pay them off over a period of time (usually three, six, or 12 months). Annual percentage rates (APR) range from 0 to 30% and you’ll always be shown upfront the total amount of interest you’ll pay. Affirm does not charge any additional fees.

You can apply for a loan as you’re shopping at one of many Affirm’s partner stores, which include women’s and men’s fashion, furniture, sports and fitness, electronics, jewelry, and watch brands.

When it comes time to pay, you'll see something like the below:

From there, you can create an account, get approved for a loan, and pay off your purchase at a pace you're comfortable with.

You can see which online retailers accept Affirm below.

They're divided by category and we've also designated which ones offer loans starting at 0% APR with an asterisk.

While there are some more established companies, many are up-and-coming startups that are changing the way you shop for things like shoes, glasses, and home goods. Partnering with Affirm is just another way they're helping to modernize and simplify the online shopping experience.

Here are 60+ stores that accept Affirm:

Home and kitchen

Bed and bath:

• Allmodern
• Art.com
• Bedjet
• Birch Lane
• Boll & Branch
• Brooklinen
• Dyson
• Parachute
• Pluto Pillow

Furniture and decor:

• Burrow*
• Campaign*
• Floyd*
• Havenly*
• Joss and Main
• Mirror
• Revival Rugs
• Rugs.com
• Saatchi Art
• Serena & Lily
• The Inside
• Wayfair

Kitchen:

• East Fork Pottery
• Great Jones
• KitchenAid

Mattresses

• Allswell Home
• Avocado*
• Awara Sleep
• Bear*
• Brooklyn Bedding
• Casper
• Dreamcloud*
• Eight Sleep
• Layla Sleep*
• Leesa*
• Nectar*
• Purple*
• Tuft & Needle*
• Zinus

Fashion

• Adidas
• Cole Haan*
• Cotopaxi
• Eddie Bauer*
• Faherty
• Italic
• La Garconne
• Nadaam
• Nisolo
• StockX
• Universal Standard*
• Verishop*
• Walmart
• Wolf & Shepherd

Accessories

• AUrate*
• Felix Gray*
• Glasses.com*
• Holden
• Lenscrafters
• Timbuk2
• Timex
• Warby Parker*

Travel

• CheapOair
• Expedia
• Orbitz
• Travelocity