Pay over time at Costco

Costco is a membership warehouse club selling groceries, electronics, appliances, furniture and more in bulk at low prices. We confirmed Affirm 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
$400
Plan lengths
3–36 months; 10–36% APR
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 Costco’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

How to pay over time at Costco

  1. Add what you want to your cart on costco.com (at least $400).
  2. Apply for Affirm at checkout or on the store’s financing page.
  3. Affirm shows the plans you can get. Checking does not affect your credit score.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about Costco financing

Does Costco offer financing?

Yes. We confirmed Affirm at Costco on Nov 10, 2026. Options can change, so check at checkout before you buy.

Is there a minimum purchase to use Affirm at Costco?

Costco says the minimum is $400. Below that, Affirm may not show at checkout.

Will checking my rate at Costco 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 a Costco store?

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

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