Affirm Installment Loans
Freshby Affirm
real-time consumer credit decisioning and installment loan origination at point of salemerchants lose high-ticket sales because consumers cannot pay upfront; e-commerce, travel, home, and auto retailers needing to lift AOV and checkout conversion
Core BNPL product offering monthly installment plans at 0–36% APR with real-time credit decisions integrated directly into merchant checkout.
Features
Adaptive Checkoutpaid onlyReal-time AI Underwriting (account balance + cash flow signals)all plansWebhook Integrationall plansFive Integration Methods (direct API, SDK, platform plugins, wallet, in-store)all plansMerchant BusinessHub Portalall plansAPR Calculator for Merchantsall plansPromotional Messaging Customizationall plansOmnichannel Support (online + in-store POS)all plansApple Pay / Google Pay Wallet Integrationall plansShared Payment Tokens for AI Agent Commerce (Stripe partnership)paid only
More from Affirm
- Adaptive Checkout
ML-driven payment option presentation layer within merchant checkout UI
- Affirm Card
physical and virtual Visa payment card with embedded post-purchase BNPL splitting capability
- Affirm for Business (B2B BNPL)
B2B installment financing origination at point of purchase for SMB buyers
- Affirm Money Account
FDIC-insured consumer deposit account via banking-as-a-service partner
- Pay in 4
short-cycle zero-interest installment split over four biweekly payments