Affirm loans vary between 0 - 30% APR simple interest. Approximately 80% of our customers qualify for 0% financing, which is only offered on the 3, 6 and 12 month term options. For those that do not qualify, and for the 18, 24 and 36-month term options, 10 - 30% APR is offered.

The corresponding finance charge is the only fee associated with an Affirm loan offered when purchasing an Avocado Green Mattress. We don’t charge late fees, service fees, prepayment fees, or any other hidden fees. Affirm strives to be more transparent and fair than any other form of financing.

*Affirm payment subject to credit check and approval. Down payment may be required. For purchases under $100, limited payment options are available. Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. See for details.

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