What is the Affirm payment option? Affirm is an installment plan where you can make secure monthly payments over 3, 6, or 12 months. QUICK AND EASYEnter a few pieces of information for a real-time decision. Checking your eligibility won't affect your credit score. NO HIDDEN FEESKnow upfront exactly what you'll owe, with no hidden costs and no surprises. Subject to credit check and approval. Down payment may be required. For purchases under $100, limited payment options are available. The estimated payment amount excludes taxes and shipping fees. Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. See www.affirm.com/faqs for details. Please note: This option is only for US students.