Pay Later is a legal fee lending solution that lets you pay legal fees in manageable, scheduled installments online, while your law firm gets paid the full amount up front.

Affirm offers payment plans that let you pay over time. Affirm financing is only available to individual customers, not entity customers using it for business or commercial purposes.

How do I apply for financing through Affirm?

On your firm's payment page, select "Pay Later" to start an online application. Enter a few details and get a decision in real time.

Will using Affirm affect my credit score?

Checking if you prequalify or applying for a loan through Affirm doesn’t affect your credit. Some loan types aren't reported to credit bureaus. Where Affirm does report, it reports your full payment history, not just missed payments, so on-time payments can help build credit and late payments can hurt it.

What are the interest rates and terms?

0 to 36% APR based on credit, with terms of 3, 6, 12, 18, or 24 months. There are no late fees. For example, a $1,200 purchase might cost $108.31 per month over 12 months at 15% APR. A down payment may be required.

Can I pay off my Affirm financing early?

Yes. There's no penalty for paying early.

When is my first payment due?

About one month after your payment is processed. You may be asked to make a down payment, depending on factors like eligibility or the size of the loan.

What if I am not approved for financing through Affirm via Pay Later?

Talk with your firm directly about other ways to pay.

How do I make installment payments for this loan?

Make payments or set up AutoPay by logging into your account at affirm.com or in the Affirm app. Affirm also sends payment reminders by email and text before each due date.

Should I communicate with my lawyer if I have questions about my loan?

No. For loan and repayment questions, contact Affirm directly. Visit www.affirm.com/help or call Affirm at 855-423-3729.

Why do I need a mobile number to use Affirm?

You'll need a mobile number from the U.S. or a U.S. territory so Affirm can verify it's really you creating your account and signing in.

Can I pay multiple legal bills using Affirm via Pay Later?

Yes. Each bill is a separate loan, and each one goes through its own eligibility check and approval.

Do I have to use Affirm via Pay Later to pay my attorney?

No. It's one of several ways your firm accepts payment. Ask your firm about the other options.

How does Affirm differ from a credit card?

Affirm loans aren't a revolving line of credit. You're approved only for the amount you request, on the terms you choose. There's no penalty for paying early and no compounding interest. Questions about your loan? Visit www.affirm.com/help.

Pay your legal bill over time with Affirm

Pay Later, powered by Affirm and built into 8am LawPay, lets you split your bill into monthly payments right at checkout. Your firm is paid in full, and you pay Affirm back on a plan that fits your budget.

0% APR if you qualify, for a limited time.

See your options

A woman in an orange sweater smiles at her phone while holding a mug, next to a payment screen with eCheck, Card and Affirm options, with Affirm selected and a “Begin Process” button.

Clear

See your terms up front, before you commit.

Flexible

Choose a term that fits. No late fees, and no penalty for paying early.

Simple

Apply on your own device and get a decision in real time. Checking your options won't affect your credit.

How paying for legal services with Affirm works

Choose Pay Later when you check out on your firm's payment page.
Enter a few details with Affirm and get an answer in real time.
Pick your payment plan. Your firm is paid in full, and you pay Affirm back over time.

See how it works before you apply. On your phone? Tap here .

Watch the Pay Later walkthrough

Know your rate before you commit

Rates range from 0 to 36% APR, based on credit. Choose a term of 3, 6, 12, 18, or 24 months.

For example, a $1,200 purchase might cost $108.31 per month over 12 months at 15% APR. A down payment may be required.

Rates from 0-36% APR, based on credit. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders . Options depend on your purchase amount, and a down payment may be required. Affirm availability and eligibility may vary. Restrictions apply. See affirm.com/terms#use . CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses . Affirm, Inc., NMLS 1883087. Affirm Loan Services, LLC, NMLS 1479506.

Frequently Asked Questions

Are you a law firm? Learn how legal fee financing gets you paid in full up front, or read our guide to legal client financing .