Financing option
Affirm for high-ticket businesses
The high-ticket workhorse. Terms up to 36 months, 0–36% APR, and no late fees — on approval amounts that actually cover a $20,000 program.
Interest-free options available
Apply NowHow it works
A clear checkout path, with availability subject to credit approval and underwriting.
Step 1
Customer selects this option at checkout.
Step 2
Available options are assessed for the purchase.
Step 3
Customer picks an available plan.
Step 4
Funded upfront, in full; non-recourse — lender absorbs consumer default risk.
The breakdown
The PayFull program details for Affirm.
| Ticket range | $50–$25,000 |
|---|---|
| Terms available | Pay in 4 (6 wks) · 3–36 months monthly |
| Customer cost | 0%–36% APR. No late fees, ever. |
| Credit check | Soft check (prequalification) |
| Funding timing | Upfront, in full |
| Consumer default risk | Non-recourse |
| Originator / issuer | Affirm's lending partners; Cross River Bank, Sutton Bank, or Celtic Bank |
Who it’s best for
- The high-ticket workhorse. $3k–$25k programs.
- Businesses whose eligible customers are approved under the provider’s underwriting outcome.
- Merchants looking to offer an additional checkout path alongside other PayFull options.
Can I get approved in my industry?
Affirm availability depends on your industry, ticket size, and underwriting outcome. Tell us what you sell and we’ll tell you straight whether we can get it approved.
Also consider
Related options with an overlapping checkout use case.
Financing
ClarityPay
Financing that stays in your brand. Six weeks to 36 months, white-labeled end to end, with your customers remarketed back to you — never cross-sold to a competitor.
6 weeks – 36 months
Learn moreFinancing
Klarna
The most recognized name at checkout. Pay in 4 for smaller tickets, financing up to 24 months for bigger ones, and a brand your customers already trust.
Pay in 4 (6 wks) · Pay in 30 days · 6–24 months financing
Learn moreFinancing
SplitIt
No new loan. No new credit check. Your customer's existing card, split into up to 36 payments. The highest approval rate in the stack, because there's nothing to approve.
3–36 monthly installments
Learn moreProgram disclosures
- All financing is subject to credit approval. Ranges shown are typical; every provider sets limits per customer and per merchant, and approved amounts, terms, and rates vary by applicant.
- Availability of any given provider depends on your industry, ticket size, and underwriting outcome. Not every provider is available to every merchant.
- PayFull is not a lender or a bank. Loans and financing are originated by the lending partners named above.
- Originating lenders: Affirm: Affirm's lending partners; Cross River Bank, Sutton Bank, or Celtic Bank.
Start accepting payments the way your business actually sells.
Set up in days, not months. White-glove onboarding included on every plan.
Talk to us before you commit to anything.