Affirm is a payment option that lets you break a large purchase into smaller, scheduled payments instead of paying it all at once. It works on its own, separate from a credit card, so you don’t need one to qualify.

Depending on the plan, you can pay over several months at a fixed rate between 0% and 36% APR based on your credit, or split the cost into four payments every two weeks at 0% interest. Whichever plan you choose, your rate is locked in from the start and never increases.

You’ll see exactly what you owe and when, before you agree to anything. No interest is ever hidden and no late fees are ever added.