Pay over time at Amazon

Amazon is the largest US online marketplace, selling nearly everything from electronics and home goods to groceries, with fast Prime shipping. We confirmed Affirm, Synchrony Pay Later, Amazon Monthly Payments and Citi Flex Pay here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Affirm

Minimum purchase
$50
APR
0% to 36%
Credit check
Won't affect your score

Checked Nov 10, 2026 The store’s website says it offers Affirm

Store offer, minimum and plan lengths are from Amazon’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

Installment loan

Synchrony Pay Later

Minimum purchase
$50
Plan lengths
Equal monthly payments on eligible orders over $50; first payment due 30 to 33 days after everything ships; no late fees
APR
0% (Pay in 4); 0% to 29.99% (monthly)
Credit check
Credit bureau check

Checked Nov 13, 2026 Amazon's help pages describe Synchrony Pay Later at checkout on eligible orders

Store offer, minimum and plan lengths are from Amazon’s website. APR and credit check are Synchrony Pay Later’s general terms.

How Synchrony Pay Later works

Store payment plan

Amazon Monthly Payments

APR
0%, no interest or finance charges
Credit check
No credit report

Checked Nov 14, 2026 Amazon's help pages describe Monthly Payments on qualifying products, such as Amazon devices

Store offer, minimum and plan lengths are from Amazon’s website. APR and credit check are Amazon Monthly Payments’s general terms.

Card installments

Citi Flex Pay

Minimum purchase
$50
APR
As low as 0%, shown at checkout
Credit check
No application

Checked Nov 14, 2026 Amazon's help pages describe Citi Flex Pay at checkout with an eligible Citi credit card

Store offer, minimum and plan lengths are from Amazon’s website. APR and credit check are Citi Flex Pay’s general terms.

HSA/FSA

Takes HSA/FSA cards

Amazon takes HSA and FSA cards at checkout on eligible items, such as prescription eyewear, first aid and some health devices. Your plan decides what counts, so keep your receipt.

Checked Nov 13, 2026

How to pay over time at Amazon

  1. Add what you want to your cart on amazon.com (at least $50).
  2. At checkout or on the store’s financing page, choose Affirm, Synchrony Pay Later, Amazon Monthly Payments or Citi Flex Pay.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about Amazon financing

Does Amazon offer financing?

Yes. We confirmed Affirm, Synchrony Pay Later, Amazon Monthly Payments and Citi Flex Pay at Amazon on Nov 14, 2026. Options can change, so check at checkout before you buy.

Is there a minimum purchase to use Affirm at Amazon?

Amazon says the minimum is $50. Below that, Affirm may not show at checkout.

Will checking my rate at Amazon affect my credit score?

Checking your plans with Affirm does not affect your credit score. If you take a loan, Affirm reports it to Experian, including Pay in 4.

Can I use Affirm in an Amazon store?

We checked online shopping at Amazon only. If the store has physical locations, ask there whether financing is available.

More stores: Department stores & marketplaces

All department store & marketplace financing stores

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