Payment Apps

Buy now, pay over time with Affirm
Quick and easy
No hidden fees
Quick eligibility check

Quick and easy

Select Affirm as your payment method at checkout and get payment options tailored to your cart.

No hidden fees

Affirm helps you break up your purchases into payments you can count on. With no fees or surprises, you always know exactly what you owe.

Quick eligibility check

At checkout you’ll be asked to enter a few pieces of information to check your eligibility in real time. This won’t affect your credit score.

Here's how it works

Pay in 3-48 equal monthly payments

Rates are between 10-30% APR

3 or 6 months
12 months
18 months

3 or 6 months

on purchases of $50 or more

12 months

on purchases of $100 or more

18 months

on purchases of $250 or more

24 months
36 months
48 months

24 months

on purchases of $500 or more

36 months

on purchases of $1000 or more

48 months

on purchases of $1500 or more

Here’s what a payment plan for a $1000 purchase at 20% APR could look like

Refer to the bottom of the page for details

Here's what a payment plan for a $1000 purchase at 20% APR could look like

Frequently asked questions

When will my payments start?

Your Affirm payment schedule will be finalized once all of your items have shipped (or after 120 days, whichever comes first). When you check out, Affirm will give you an estimate of when your first payment will be due. Sometimes, you may be required to make a down payment at checkout.

How do I make my payments?

After the last item in your order has shipped, you’ll get a confirmation email from Affirm with your payment schedule. You can then 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, or you can turn on the AutoPay option.

Can I pay off my purchase early?

Yes! There’s no penalty for paying early.

Can I return an item I bought with Affirm?

Yes, simply initiate the return process with Zopora. See Zopora’s return policy.

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 monthly payments through Affirm, your payments may be reported to credit bureaus. You can find more information in Affirm’s Help Center.

Can I use Affirm for a purchase outside the US?

Right now, if you’re shipping your Zopora purchase outside the US, you won’t be able to use Affirm to pay for your purchase. We’re working to expand eligibility to include international purchases.

What purchases can I make with Affirm?

You can use Affirm to pay over time for a variety of products like furniture, home goods, electronics, fashion, and more. Affirm is not eligible for certain purchases, such as Whole Foods or Market Fresh orders, digital purchases like movies or ebooks, gift cards, and carts under $50. Affirm will not be available on Zopora checkout for purchases that aren’t eligible.

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.

What if I’ve been declined by Affirm in the past?

When you apply to pay over time, Affirm takes into account a number of factors, which can change, depending on when you apply and where you’re shopping. So you may still be able to pay over time at Zopora using financing provided by Affirm, even if you had an application that wasn’t approved in the past. Checking your eligibility won’t affect your credit score.

Can I customize my payment option?

Affirm offers the payment options you qualify for based on your Zopora purchase and your application. Certain purchases may qualify for multiple payment options. In such cases, you can choose your preferred payment plan at checkout.

Still have questions?

If you have a question about your order, including order status, shipping, or how to make a return, please contact Zopora.com through your Zopora account. If you have a question about your Affirm payment plan, please visit Affirm’s help center.

Additional details

Your rate will be 10–30% APR based on your credit. Payment options through Affirm are subject to an eligibility check, may not be available in all states, and are provided by these lending partners. Options depend on your purchase, and a down payment may be required. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license.


Shop and pay the Klarna way

Join 150 million customers and choose flexible payments, lightning-fast checkout and secure shopping—at 20,000+ partner stores.

Get the free Klarna app on your phone:

Pay securely with Klarna

Pay your way

Buy now and pay later–choose how much you want to pay and when, every time you shop.

Easy checkout

Breeze through checkout at your favorite brands and stores when you pay with Klarna.

Hassle-free returns

Not quite right? Report returns with a tap and only pay for what you keep.

Ways to pay

With Klarna, you choose exactly how much you want to pay and when. There’s a flexible payment option that works with your budget.

Klarna Pay now

Pay now

Pay for what you love right away. Your preferred payment method is pre-selected for a fast and secure payment.

Klarna pay in 4

Pay in 4

Split your purchase into 4 interest-free payments, paid automatically every 2 weeks.

Klarna Pay in 30

Pay in 30 days

Get it now. Pay later. Shop first and pay up to 30 days after placing your order. No upfront payments, no interest.

Klarna Financing

Pay over time

Get more time to pay for what you love, spread the cost over smaller monthly payments.

Klarna goes wherever you go - US (3)

Klarna goes wherever you go

Sign up now to shop with Klarna—via our app, browser extension, or in-store with the Klarna Card.

How does Klarna work?

Find what you love and pay your way. With Klarna, you’re in control of how you want to pay every time you shop.

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Choose Klarna at checkout

Click on the pink badge and pay with Klarna at your favorite stores.

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Choose your payment option

You can Pay now, Pay in 4 interest-free payments, Pay in 30 days, or Pay over time.

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Manage everything in one place

Make any remaining payments in the app. We’ll keep you on track with reminders and updates.

Stop guessing, compare prices

Search for any product on Klarna, and compare prices to shop with confidence.

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Klarna Money Manager

Stay on top of your budget

Set a personal limit on your Klarna spending to help you stay within your budget. See what you have, what you’ve spent, and what you’ve saved–so nothing gets past you.

Shopping, hacked

Klarna makes it easier than ever to save on the stuff you love–so you know you’re always getting the best deal.

In-store shopping

Use the Klarna app to buy now and pay later in physical stores—and keep track of your payments.

Loyalty cards

Easily store all your loyalty cards in the app and access them in seconds.

Klarna Plus

Say goodbye to service fees, double up on reward points, and unlock exclusive deals every month.


Financial wellness is a tap away.


Pay in 4 interest-free installments. Budget your spending. Earn rewards when you shop. Discover thousands of brands and millions of products, online and in-store.
Do it all in the app, easily and securely.


Here’s why you should Afterpay it.


Get everything you need now.


Shop thousands of brands and millions of products, online and in-store.


Pay over six weeks.


Make the first payment upfront and the rest over time. Always interest-free when you pay it in 4.


No fees when you pay on time.


We’ll send you reminders and cap late payments to help you get back on track.


Manage your spending while getting what you need—the app makes it easy.


Afterpay it in person.


We’ve made it easy to pay in 4 in-store. Set up the digital Afterpay Card* in the In-store tab in the app and follow the prompts to add it to your Apple Wallet or Google Wallet. Tap to pay and take everything home today.


Learn More

Get started with the app.


Shop thousands of brands, online and in-store. Pay in 4 interest-free installments over six weeks.


Got questions? Check out our FAQs or get in touch with us to learn more.

Visit our Help Center

*You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. For access to in-store, additional verification may be required. Late fees may apply. Click here for complete terms. Loans to California residents made or arranged pursuant to a California Finance Lenders Law license. The Afterpay Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

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