Pay over time with flexible
payment options with Affirm.

Quick and Easy

Simply select the Affirm payment option upon checkout and enter a few pieces of information for a real-time decision.

Safe and Secure

Affirm connects directly to our store. There’s no card number to steal, so your account stays secure.

No hidden fees

Know upfront exactly what you'll owe, with no hidden costs and no surprises.

You're in control

Pick a loan that fits your budget. You’ll make real progress every month, and at the end of your loan, you’re free and clear.

How to pay with Affirm

How to pay with Affirm

Add the product you wish to purchase to your cart and checkout. *


Select Affirm as your payment option. You will be directed to an Affirm page.


Fill in your shipping details and personal information.


Affirm will provide a real-time loan decision. Select your preferred payment terms and confirm your loan.


Confirm your order details, and your order is complete!

* Payment with Affirm will not be available for products with a pre-order time of longer than 30 days.

Katapult Logo

Or, use Katapult

If Affirm isn’t able to offer you a payment plan, most customers will be given the option to check out today using our lease-to-own program from Katapult, an Affirm partner.

See Katapult FAQ for more information.

Frequently Asked Questions
Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers real-time financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed installments.
Here is what Affirm offers:

  • Buy and receive your purchase now, and pay for it over time. This allows you to split up the price of your purchase into fixed payment amounts that fit your monthly budget. If Affirm approves you for a loan, Affirm discloses your loan terms before you make your purchase. You’ll know exactly how much you’ll owe each month, the number of payments you must make, and the total amount of interest you’ll be paying over the course of the loan. Affirm does not charge hidden fees.
  • The application process is secure and in real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm will notify you of the loan amount you’re approved for, the interest rate, and the number of payments you will have to pay off your loan, all within seconds.
  • You don’t need to have a credit card to make a purchase.
  • Loan decisions are based not only on your credit score, but also on several other data points about you. You may be eligible for Affirm financing even if you don’t have an extensive credit history.
  • Affirm will send you email and SMS reminders in advance of your upcoming payment. You can also enable “Autopay” to schedule automatic payments on your loan.
Affirm will ask you for a few pieces of personal information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Affirm uses this information to verify your identity, and to make an instant loan decision. Affirm will base its loan decision not only on your credit score, but also on several other data points about you. This means you may be able to obtain financing through Affirm even if you don’t have an extensive credit history. Payment options through Affirm are provided by these lending partners:
Yes, when you first create an Affirm account, Affirm performs a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.

Before each payment is due, Affirm will send you reminders via email and SMS that will include the installment amount that is coming due and the due date. You can also sign up for autopay so you don’t risk missing a payment. Please follow these steps to make a payment:

  • Go to
  • You will be prompted to enter in your mobile number where you will be sent a personalized security pin.
  • Enter this security pin into the form on the next page and click “Sign In.”
  • You’ll now see a list of your loans and payments coming due. Click on the loan payment you would like to make.
  • You can make a payment utilizing a debit card or ACH bank transfer.
Affirm loans vary between 0% APR and 30% APR simple interest. The corresponding finance charge is the only fee associated with an Affirm loan. Affirm does not charge late fees, service fees, prepayment fees, APR penalties or any other hidden fees for a late payment. They strive to always be more transparent and fair than any other form of financing.

Frequently Asked Questions
Katapult offers a simple, straight-forward lease-to-own financing option to help you obtain durable goods from top retailers and pay over time.
Lease-to-own means that you make recurring payments for the use of the products you have selected. You have no long-term obligation to continue leasing and can return the product to Katapult at any time with no further obligation other than for amounts past due.
  • Since you are a returning guest your items will still be in the Secretlab shopping cart. Double check you've got everything you want and click checkout to get started.
  • The next screen will confirm your address and contact information. Click continue.
  • Next you'll review the shipping method. Click continue to move on.
  • Next is the most important step, you'll select Affirm as your payment information. This is where you'll access your Katapult Pre-approval. Click continue to proceed.
  • To locate your Katapult pre-approval you'll need to enter your mobile telephone number, the one you used to apply originally, and click continue.
  • You'll receive a verification code via text message to that mobile number. Enter the code here.
  • You'll then see your Katapult offer on the screen. To move forward click check out with Katapult.
  • Next, we want to confirm your paydays to make sure you are set up for on time payments. Click next once you've entered your information.
  • You'll then have an opportunity to review your early purchase options. This is a great tool to show you how much you can save! Click next when you're ready to move on.
  • You are now ready to enter your card information for your first payment, review the disclosures and your Katapult lease agreement. You will want to click to review the terms before you make your payment.
  • Scroll through the entire lease agreement. We know it is a lot of information but it's important to us that you know what you're getting, besides your awesome new Secretlab products! Once you've reviewed everything click Agree.
  • Now that you've reviewed and agreed to the Katapult lease agreement you'll click to make your initial payment and confirm to electronically sign the lease agreement, process the card and get your items shipped to you, so you can start enjoying them right away!
  • If you have additional questions, connect with a helpful Katapult agent by calling 833-KATAPULT (833-528-2785) or through Live Chat.
  • You will pay an initial payment and any applicable shipping fees today.
  • All fees are refundable within the first 30 Days of purchase, if ALL products are returned to Secretlab and we have received notice directly from Secretlab.
  • Once outside the first 30 Days all payments are non-refundable, but you can return your item to Katapult if your account is in good standing.
  • If Affirm is not able to approve you as a customer, you will see a screen inviting you to apply with Katapult.
  • You will need to click 'Check out with Katapult' to enter some additional information for your Katapult application.
  • Simply enter your information about your pay dates and how often you get paid.
  • Once approved by Katapult, you will make your initial payment, and enjoy your items.
Yes. Every time you create a new lease you would have to pay your initial payment amount. This would be considered a new lease with its own terms and pay dates.

Please ensure that you are not downloading the document. Please scroll to the bottom of the document inside of the webpage. Once you have scrolled completely to the bottom, the “Agree” button should turn green.

** If this does not work, try launching the site inside a Google Chrome browser on a desktop or laptop device. You can also try using Desktop mode on your mobile device.

For details, terms and conditions, head on to the Affirm website to find out more.
You can also check out their comprehensive list of FAQs on their website for more information.

Why pay by installments?

We believe a good chair is a long-term investment in comfort and health. As we spend so much of our lives seated, the earlier you improve your seating experience, the better off you'll be in the long run. That's why we're giving you the option of stretching out your purchase of our chairs into easy payments.

Shop with Affirm now