What is a Affirm's PayBright payment plan?

Our payment plans allow you to break down the cost of a purchase into a series of monthly instalments. Apply for any PayBright payment option with no impact to your credit score.


Pay Monthly

Monthly payments over 6 to 60 months.

Payment plans from 0% interest

No impact to credit score

Easy, automatic payments

How do I pay later with PayBright?

step 1

Step 1

Select PayBright at checkout

Shop at your favourite stores that offer PayBright and select us as your payment option at checkout.

Step 2

Get set up

Use your mobile phone number to set up your PayBright plan within 60 seconds.

step 3

Step 3

Enjoy your purchase!

Confirm your payment plan and then you’re done! Enjoy your purchase today and pay later.