Why is my Affirm interest rate so high?

When Affirm determines your annual percentage rate (APR), it evaluates several factors, including your credit score and other data about you. If you finance future purchases with Affirm, you may be eligible for a lower APR depending on your financial situation at the time of purchase.

This APR calculator will give you an idea of how much interest you pay: https://www.affirm.com/apr-calculator/

When you consider Affirm financing, carefully evaluate the loan terms that Affirm offers you and determine whether the monthly payments fit your budget.