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Financing

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Target Help

What is Affirm?

  • Affirm lets you choose your payment plan, with monthly payments that don’t change over time. Pay over 3, 6, or 12 months. For example, you might pay $20.76/month for a $300 purchase at 15% APR for 12 months. 
  • You’ll never pay more than what you agree to up front. There are no late fees or other hidden fees.
  • Affirm is available on eligible items that total $100 - $15,000, including tax. Your cart must contain only eligible items to use Affirm for payment.
  • Subject to credit check and approval. Down payment may be required. Rates from 10–36% APR for orders over $100. For purchases under $100, limited payment options are available. Estimated payment amount excludes taxes and shipping fees. Affirm loans are provided by these lending partners: affirm.com/lenders.
  • Target is not responsible for the content, products or services on Affirm’s website.
  • Your rate will be 10–36% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Please note that you can’t use Affirm to pay for pre-ordered items. Refer to www.affirm.com/faqs for details. 


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Does Affirm charge interest and fees?

  • Affirm doesn’t charge late fees, service fees, prepayment fees or any hidden fees. 
  • Affirm only charges simple interest. That means interest is charged only on the purchase price. It doesn’t increase over time. Credit cards charge compound interest, which increases over time by charging interest on the purchase price plus previously accrued interest.
  • Affirm will show you up front the total amount of interest you’ll pay and will never charge you a penny more. When you pay with Affirm at Target, your annual percentage rate (APR) will be between 10-36%.
  • Subject to credit check and approval. Down payment may be required. Rates from 10–36% APR for orders over $100. For purchases under $100, limited payment options are available. Estimated payment amount excludes taxes and shipping fees. Affirm loans are provided by these lending partners: affirm.com/lenders.
For more information, visit www.affirm.com/help.


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How do I use Affirm on Target.com and in the Target App?

You can apply for and use Affirm on Target.com in 3 steps:
  1. Fill your cart 
When you’re ready to check out, choose Affirm as your payment method. As a final step in checkout, you’ll be directed to Affirm to complete your application for a loan in just a few steps. 
  1. Complete checkout
Loan decisions are made in real time. If you’re approved, you’ll confirm your order on Affirm.com.
  1. Pay over time
Make monthly payments at affirm.com or in the Affirm app. You’ll get email and text reminders. 


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How can I use Affirm at Target stores?

  • You can use Affirm in Target stores by downloading the Affirm app, choose shop in-store, and choose Target.
  • Apply for loan with Affirm and once you are approved, you can add the Affirm virtual card to your Apple/ Google/ Samsung Pay in order to tap and pay in checkout at a Target store. 


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Can I combine Affirm with other payment methods?

  • Affirm is available on eligible purchases $100-$15,000, including tax. If using gift cards or other discounts, the minimum of $100 for financing must be met after all discounts or gift cards have been applied. 
  • For more info, visit www.affirm.com/help.


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How do I pay my Affirm loans?

Make or schedule payments to your Affirm account at  www.affirm.com or using the Affirm app. You can also set up AutoPay so you don't have to remember every month.

For more info, visit www.affirm.com/help.


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Where do I go to make Affirm monthly payments on my Target purchase?

After you make your purchase, you’ll make your monthly payments to your Affirm account at www.affirm.com or on the free Affirm app. You can make payments with a debit card or checking account.

For more information, visit www.affirm.com/help.


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Can I modify an order paid with Affirm once placed?

Depending on the status of your order, you may be able to modify, however the shipping address and the payment method cannot change. Please reach out to Target regarding any modifications on your order.


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How do I cancel a Target order that I paid for with Affirm?

Depending on the status of your order, you may be able to cancel your Target order. Follow the steps to cancel your order just as you normally would at Target.com. 


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What should I do if Target canceled my order that I paid for using Affirm?

If your order was canceled, your loan through Affirm will be refunded. However, any interest paid is non-refundable. 

For more information, visit www.affirm.com/help.


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How do I get a refund if I used Affirm?

If you have your receipt:
  • Return your item(s) the way you normally would.
  • After Target processes your refund, the full refund amount will appear on your loan balance within 3-10 business days. 
  • While waiting for your refund, continue to make any monthly payments that are due.
  • If your refund doesn’t cover your full balance, it might not lower your next monthly payment. Instead you can expect fewer monthly payments, a smaller final payment, or both.

For more information, visit https://helpcenter.affirm.com/s/


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I used Affirm but my order was canceled and I was charged. How do I get a refund?

Please visit www.affirm.com/help 


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What items and services are not eligible for Affirm?

Ineligible items
  • Alcoholic beverages
  • Cold, allergy and digestive health treatments
  • Contract cell phones
  • Dieting and sports supplements
  • Painkillers and muscle treatments
  • Personal hygiene products
  • Pet food and snacks
  • Pet health & treatments
  • Protection plans
  • Skin and scalp treatments
  • Sleeping aids and travel sickness
  • Specialty gift cards
  • Vitamins and supplements
  • Xbox All Access

Ineligible services
  • Same Day Delivery orders
  • Preorders


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What information does Target share with Affirm?

Target doesn’t share any of your Target.com account information with Affirm aside from what is needed to confirm your order.  You can read Affirm’s Privacy Policy at https://www.affirm.com/privacy/.

For more information, visit www.affirm.com/help.


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What is PayPal Pay in 4?

  • PayPal Pay in 4 financing enables you to finance purchases between $30-$1,500, including tax, with 4 payments over 6 weeks. 
  • When selecting PayPal as your payment method in checkout, select “Pay Later” at the bottom of the Order Summary to be redirected to the PayPal website to select your financing option. 
  • Pay in 4 is not currently available to residents of Missouri or Nevada. 
  • PayPal is not currently available for items sold through the Target Plus marketplace, and also may not be available for certain recurring, subscription services. 


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