Pay Over Time

When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to split your purchase into monthly payments. You’ll never pay more than you agree to up front, and there’s no penalty for paying early.

Affirm

Buying with Affirm is simple

Payment options through Affirm are subject to an eligibility check and are provided by these lending partners. Options depend on your purchase amount, and a down payment may be required.

  1. Fill your cart

    Shop corals, fish, equipment, or a complete aquarium system. At checkout, select Affirm and enter a few pieces of information for a real-time decision.

  2. Choose how you pay

    Pick the monthly payment plan that works best for you. Your rate and terms are shown before you confirm, and you’ll never pay more than you agree to up front.

  3. Pay over time

    Make or schedule payments at affirm.com or in the Affirm app. Affirm sends email and text reminders before each payment is due.

At checkout

Flexible ways to pay

Affirm monthly payments

Split larger purchases like aquariums, lighting, and controllers into monthly payments. There’s no penalty for paying early.

Other payment options

Klarna is also available at checkout, along with Shop Pay, PayPal, Venmo, Apple Pay, Google Pay, and all major credit cards.

Answers

Affirm questions

Can I pay off my purchase early?

Yes. There’s no penalty for paying early.

How do I make my payments?

You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm sends email and text reminders before payments are due.

Can I return an item I bought with Affirm?

Yes. Start the return with Top Shelf Aquatics under our normal return policy, and Affirm will adjust your loan once the return is processed.

Does checking my eligibility affect my credit score?

Checking eligibility won’t affect your credit. If you choose to pay with Affirm, your payment plan and repayment activity may be reported to credit bureaus. Affirm’s Help Center has more details.

Do I need a mobile number to use Affirm?

Yes. You’ll need a mobile phone number from the U.S. or a U.S. territory so Affirm can verify that it’s really you creating your account and signing in.

Where can I learn more about Affirm?

Visit affirm.com to learn how Affirm works.