Financing

• Affirm lets you choose your payment plan, with monthly payments that don’t change over time. Pay over 3, 6, 12 or 18 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 $50 - $25,000, 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 $50. 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. 

• 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 $50. Estimated payment amount excludes taxes and shipping fees. Affirm loans are provided by these lending partners: affirm.com/lenders.

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. 
2. Complete checkout
   • Loan decisions are made in real time. If you’re approved, you’ll confirm your order on Affirm.com.
3. Pay over time
   • Make monthly payments over 3, 6, 12 or 18 months at affirm.com or in the Affirm app. You’ll get email and text reminders. 

• 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. 

• Affirm is available on eligible purchases $50-$15,000, including tax. If using gift cards or other discounts, the minimum of $50 for financing must be met after all discounts or gift cards have been applied. 
• For more info, visit www.affirm.com/help.

• 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.

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

Ineligible services

• Same Day Delivery orders
• Pre-orders

• 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.