Shop Now, Pay Later *
With Affirm, you can split your purchase into easy payments.
How it Works
1
Step 1: Fill your cart
Select Affirm at checkout and enter a few pieces of information for a real-time decision.
2
Step 2: Choose how to pay
Select the payment schedule that works for you, then confirm your order. We'll never charge more than you see up front.
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Step 3: Make easy payments
Download the Affirm app or sign in at affirm.com. We'll send you email and text reminders so you never miss a payment.
Frequently Asked Questions
How do I open an Affirm account?
Download the Affirm app, sign in or create your account after selecting Affirm at the Theory checkout, or sign in at affirm.com.
How do I use Affirm?
After you select Affirm as your payment method, and sign in or create your account, you'll be able to complete your order. We'll send you email and text reminders so you never miss a payment.
What payment methods does Affirm accept?
Affirm currently accepts all major credit and debit cards.
Can I return my purchase if I shop with Affirm?
Your purchase with Affirm is subject to the same return policy as all your Theory.com purchases.
For a full overview of our return policy see here. Once Theory has issued a return, Affirm will
update your payment accordingly. You can check the status of your payments in your Affirm app.
Are there late fees?
No. We will never charge a late fee, ever.


*Payment options through Affirm are subject to eligibility, may not be available in all states, and are provided by these lending partners: affirm.com/lenders . CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.