What Shoe Stores Accept Affirm for Payment?

Affirm offers a modern payment solution that allows consumers to finance purchases over time, providing flexibility outside traditional credit cards. This “buy now, pay later” service has seen increasing adoption across various retail sectors, including a growing number of shoe stores. It provides an alternative way for shoppers to acquire desired footwear without upfront payment.

Key Information About Affirm Payments

Affirm enables consumers to split the cost of purchases into smaller, manageable installments. To be eligible, individuals typically need to be at least 18 years old, possess a valid government-issued identification, and have a checking account. The application process often involves a soft credit check, which does not negatively impact your credit score. However, if approved, Affirm may report your payment activity to credit bureaus, which can influence your credit score positively with timely payments.

Loan terms offered by Affirm generally vary, ranging from four interest-free bi-weekly payments to monthly installments spread over 3, 6, 12, 18, or even 36 months. Interest rates can range from 0% APR on promotional offers to up to 36% APR, depending on the merchant, purchase amount, and the customer’s creditworthiness. Affirm is transparent, clearly displaying the total cost of the purchase, including any interest, upfront, ensuring there are no hidden fees or compounding interest. This upfront disclosure allows consumers to understand their total financial commitment before finalizing a purchase.

Where to Shop for Shoes with Affirm

Many popular shoe retailers have integrated Affirm as a payment option. For instance, major athletic brands and retailers like Nike, Adidas, Puma, Champs Sports, Foot Locker, Finish Line, and Dick’s Sporting Goods accept Affirm for footwear purchases. These stores often offer Affirm directly at online checkout.

Beyond athletic wear, department stores and specialized shoe retailers also partner with Affirm. You can find Affirm as a payment choice at places such as DSW, Rack Room Shoes, UGG, Merrell, Nordstrom, Macy’s, Bloomingdale’s, Zappos, Shiekh, and Browns Shoes. These partnerships extend to both online shopping experiences and, in some cases, in-store transactions. Consumers should confirm availability on the retailer’s official website or within the Affirm app, as partnerships can change.

How to Make a Purchase with Affirm

Making a purchase with Affirm typically involves a straightforward process, whether shopping online or in a physical store. For online transactions, after adding your desired shoes to your cart, proceed to the checkout page and select Affirm as your payment method. You will then be redirected to the Affirm platform, where you can either log in to an existing account or apply for a new one. Affirm will then present you with various payment plans, detailing the installment amounts and due dates. After selecting a plan, you confirm the purchase, and the order is processed.

For in-store purchases, using Affirm often requires the Affirm mobile application. You would typically open the app, enter the total purchase amount, and request a payment plan. The app can generate a single-use virtual card, which can be added to mobile wallets like Apple Pay or Google Pay for tap-to-pay. Alternatively, some stores may allow the cashier to initiate the Affirm process by having you provide your phone number, after which you receive a text message with a link to complete the application and select your payment plan on your device.