A Legal Fee Lending Solution

Pay Later is a legal fee lending solution that allows consumers to pay legal fees in manageable, scheduled installments online while law firms get paid the full amount upfront.

Affirm flexible payment options offer customers the ability to pay over time, giving them control, convenience, and increased purchasing power.
Please note Affirm financing is only available to individual customers and is not available to entity customers who would use Affirm financing for business or commercial purposes.

On the firm's payment page, you'll see an option labeled “Pay Later.” Selecting this option will take you to an online application for financing through Affirm. To apply, you will be asked to enter a few pieces of information and will then receive a real-time decision.

Yes! There's no penalty for paying early.

The interest rate will be a 10 to 36% APR, depending on your eligibility. The term options are three, six, 12, 18, or 24 months. There are also no late fees.*

A consumer's first payment is due approximately one month after the payment is processed (although the consumer may be asked to make a down payment depending on various factors such as eligibility or the size of the full loan amount).

You will need to contact Affirm if you have questions about your loan. They can be reached at www.affirm.com/help.

You will need to discuss this with your lawyer to see if they are open to a separate payment plan or an alternative arrangement.

Please direct all installment loan repayment inquiries to our consumer financing partner, Affirm, and not to your attorney. You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Refer to your loan agreement for more details.

Checking if you prequalify or applying for a loan through Affirm does not affect your credit. There are certain loans that do not include credit reporting. For example, a four biweekly payment 10% APR option would not be reported. In the cases where Affirm does report a loan to a credit bureau, it reports the full payment history, not just delinquent payments. This allows consumers an opportunity to build their credit history.
Delinquent payments may impact a consumer's credit score and may hurt their chances of getting another loan with Affirm, while positive on time repayment may help build a consumer's credit history.

You'll need a mobile number from the U.S. or a U.S. territory in order to help Affirm verify it's really you who is creating your account and signing in.

Each loan through Affirm is subject to a separate eligibility evaluation and approval.

No, you are not required to use Affirm via Pay Later. Your lawyer is offering Affirm as a payment option, but you should ask them about other payment types they accept, such as credit, debit, or eCheck payments.

Unlike credit cards, Affirm's loans are not a revolving line of credit. Instead, applicants are approved only for the amount they're looking to borrow—on their terms. They can select their own repayment terms, and there's no penalty for paying it off early. Additionally, unlike most credit cards, Affirm does not charge compounding interest.