Amazon Announces a New Buy Now, Pay Later Option




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Amazon has partnered with Affirm and launched a new feature through Amazon Pay, making it the first ever buy now, pay later added to Amazon Pay. Customers can buy with flexible repayment options when they check out with Amazon Pay and Affirm, which promises no hidden fees, no late fees, or annual fees ever. Customers who use this feature will have their information stored, so they won’t need to re-enter every time they buy something.

Purchases made through Amazon Pay and Affirm can be broken up into four interest-free payments. More costly purchases can be billed in monthly installments. Payments are customizable so consumers can select a schedule that works best for them. Affirm will notify customers upfront of the total amount along with a payment timeline. You can also choose to pay off items early penalty-free if you want.

As outlined on Amazon’s website, to use Amazon Pay with Affirm:

  • Shop at your favorite online stores that accept Amazon Pay and offer Affirm as a payment method.
  • At checkout, choose Affirm and enter a few pieces of information for a real-time eligibility decision.
  • Select the payment plan that works best for you – four interest-free payments every two weeks or monthly installments.
  • Manage your payments in the Affirm app or online. Set up AutoPay and look out for reminders when the payment is due.

Amazon merchants will decide for themselves if they want to participate in Affirm purchasing plans, so check before checking out. Gift cards, digital items, and cart values under $50 are not eligible. Any item that doesn’t qualify will not see the Affirm option at checkout.

Affirm through Amazon Pay is only available for purchases shipped to a U.S. address and is not yet available internationally. APR rates range from 0 to 30 percent apply, so keep that in mind.

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