How is Affirm different than a credit card?

With credit cards, the longer you take to pay off your balance, the more expensive your purchase becomes. With Affirm, you’ll never owe more than you agree to up front. Instead, you’ll always get a flexible and transparent way to pay over time. Creating an Affirm account to see if you pre-qualify will not affect your credit score. Affirm doesn’t charge any fees — no late fees, no prepayment fees, no annual fees and no fees to open or close your account. Depending on the size of your purchase, your payment plan may include interest. But no matter what, you’ll never owe more interest than you agree to on day one.