How can you shop for sports gear without a credit card. Where to find clothing and equipment using Affirm financing. Which sporting goods stores offer flexible payment options.

Understanding Affirm: A Modern Financing Solution for Sporting Goods

In the ever-evolving landscape of consumer finance, Affirm has emerged as a popular alternative to traditional credit cards. This innovative platform allows shoppers to make purchases and split the cost into manageable payments over time, often without incurring interest charges. For sports enthusiasts and outdoor adventurers, Affirm presents an attractive option to acquire gear and clothing without the burden of credit card debt.

How Does Affirm Work?

Affirm operates on a simple premise: it provides instant financing at the point of sale. When shopping at participating retailers, customers can choose Affirm as their payment method. The process typically involves:

• Selecting Affirm at checkout
• Providing basic information for a soft credit check
• Choosing a repayment plan (usually 3, 6, or 12 months)
• Receiving an instant decision
• Completing the purchase with scheduled payments

Is Affirm interest-free? In many cases, yes. Affirm often offers 0% APR on qualifying purchases, especially for shorter repayment terms. However, it’s crucial to review the terms for each transaction, as interest rates can vary based on creditworthiness and the specific promotion.

Advantages of Using Affirm for Sporting Goods Purchases

Opting for Affirm when buying sports equipment and apparel comes with several benefits that make it an attractive alternative to credit cards:

• Transparent pricing with no hidden fees
• Potential for 0% APR financing
• Fixed payment schedules for easier budgeting
• Soft credit checks that don’t impact your credit score
• Flexibility to choose repayment terms
• Opportunity to build credit history with responsible use

Can Affirm help those with limited credit history? Indeed, Affirm’s approval process considers factors beyond traditional credit scores, potentially opening doors for those with less established credit profiles.

Top Sporting Goods Retailers Accepting Affirm

For sports enthusiasts looking to leverage Affirm’s financing options, numerous renowned retailers have partnered with the platform. Here’s a comprehensive list of sporting goods stores where you can use Affirm:

1. DICK’S Sporting Goods
2. Bass Pro Shops
3. Cabela’s
4. Academy Sports + Outdoors
5. REI
6. The North Face
7. Adidas
8. Nike
9. Under Armour
10. Patagonia
11. Backcountry
12. Moosejaw
13. Eastern Mountain Sports
14. Scheels
15. Big 5 Sporting Goods

Do these retailers offer the same Affirm terms? While Affirm is available at all these stores, specific terms, interest rates, and promotions may vary. It’s advisable to check the current offers at each retailer before making a purchase.

Exploring Specialized Sporting Goods Categories with Affirm

Affirm’s versatility extends across various sporting goods categories, allowing enthusiasts to finance equipment for their specific passions. Let’s delve into some popular niches where Affirm can be particularly useful:

Fishing and Marine Equipment

Anglers can benefit significantly from Affirm financing when purchasing high-ticket items such as:

• Advanced fish finders and GPS units
• High-end fishing rods and reels
• Kayaks and small watercraft
• Trolling motors and marine batteries
• Complete tackle systems

Where can fishing enthusiasts find the best selection with Affirm? Bass Pro Shops and Cabela’s are renowned for their extensive fishing departments, offering everything from basic gear to professional-grade equipment, all available with Affirm financing.

Winter Sports Gear

For those passionate about snow sports, Affirm can help spread the cost of expensive winter gear:

• Skis, snowboards, and bindings
• Insulated outerwear and base layers
• Boots and helmets
• Goggles and protective gear
• Avalanche safety equipment

How can winter sports enthusiasts maximize their Affirm benefits? Consider shopping at retailers like REI or Backcountry, which often have seasonal promotions that can be combined with Affirm financing for optimal savings.

Navigating Affirm Financing for Athletic Footwear

Athletic shoes represent a significant investment for many sports enthusiasts. Affirm’s financing options extend to numerous footwear retailers, allowing consumers to purchase high-quality shoes without immediate full payment. Key players in this space include:

• Nike
• Adidas
• ASICS
• New Balance
• Foot Locker

Are there benefits to financing athletic shoes with Affirm? Indeed, spreading the cost of premium running shoes, cross-trainers, or sport-specific footwear can make high-performance options more accessible. It allows athletes to invest in proper footwear without compromising their immediate budget.

Tips for Smart Shoe Shopping with Affirm

1. Compare prices across multiple retailers
2. Look for seasonal sales or promotions
3. Consider the longevity and quality of the shoes
4. Factor in the total cost including potential interest
5. Choose the shortest repayment term you can comfortably manage

Leveraging Affirm for Outdoor Adventure Gear

Outdoor enthusiasts often face significant upfront costs when gearing up for adventures. Affirm provides a pathway to acquire essential equipment without depleting savings. Popular categories for outdoor gear financing include:

• Camping equipment (tents, sleeping bags, stoves)
• Hiking and backpacking gear
• Rock climbing hardware
• Mountain biking equipment
• Kayaking and paddling accessories

How can outdoor adventurers make the most of Affirm? Consider bundling purchases to reach minimum transaction amounts for the best financing terms. Retailers like REI and The North Face often offer comprehensive selections that cater to various outdoor activities.

Seasonal Considerations for Outdoor Gear Purchases

Timing can significantly impact the value of using Affirm for outdoor gear:

• Spring: Look for deals on winter clearance items
• Summer: Prime time for camping and hiking gear promotions
• Fall: Pre-season sales on winter sports equipment
• Winter: End-of-season discounts on summer outdoor gear

By aligning purchases with these seasonal trends and utilizing Affirm, outdoor enthusiasts can maximize their buying power and gear up for adventures year-round.

Affirm and Team Sports Equipment

For those involved in team sports, whether as players, coaches, or organizers, Affirm offers a practical solution to manage the costs associated with outfitting a team or purchasing high-end equipment. Key areas where Affirm can be particularly beneficial include:

• Baseball and softball gear (bats, gloves, protective equipment)
• Football equipment (helmets, pads, training aids)
• Basketball accessories (hoops, balls, court equipment)
• Soccer essentials (goals, balls, uniforms)
• Volleyball sets and individual gear

How can team managers leverage Affirm for bulk purchases? Many sporting goods retailers offer team discounts or bulk pricing that can be combined with Affirm financing. This approach allows teams to acquire necessary equipment upfront while spreading the cost over time.

Strategies for Team Equipment Financing

1. Coordinate with team members or parents for group purchases
2. Explore sponsorship opportunities to supplement Affirm financing
3. Consider long-term equipment needs to maximize financing efficiency
4. Compare offers across multiple retailers for the best combination of pricing and financing terms
5. Utilize off-season purchases for better deals on next season’s gear

Can Affirm be used for custom team uniforms? Many retailers that offer custom team apparel also accept Affirm, allowing teams to finance personalized uniforms and gear over time.

Fitness and Home Gym Equipment Through Affirm

The rise of home fitness has led to increased demand for personal exercise equipment. Affirm’s financing options extend to this category, making it easier for individuals to set up home gyms or acquire high-end fitness devices. Popular items often financed through Affirm include:

• Treadmills and ellipticals
• Stationary bikes and rowing machines
• Weight sets and strength training equipment
• Yoga and Pilates accessories
• Smart fitness mirrors and interactive training systems

How does Affirm compare to traditional financing for large fitness equipment purchases? Affirm often provides more transparent terms and potentially lower interest rates compared to store credit cards or traditional financing options. It also offers more flexibility in repayment terms, allowing buyers to choose a plan that fits their budget.

Considerations for Financing Home Gym Equipment

1. Assess long-term commitment to home workouts
2. Compare the cost of financing equipment versus gym memberships
3. Consider space requirements and equipment versatility
4. Look for bundles or packages that offer comprehensive home gym solutions
5. Factor in potential resale value when choosing higher-end equipment

By thoughtfully approaching home gym equipment purchases with Affirm, fitness enthusiasts can create well-equipped workout spaces without straining their immediate finances.

Navigating Potential Drawbacks of Affirm Financing

While Affirm offers numerous benefits for sporting goods purchases, it’s important to consider potential drawbacks to make informed decisions:

• Interest charges on some purchases
• Potential for overspending
• Impact on credit utilization
• Limited availability at some retailers
• Shorter repayment terms compared to some credit cards

How can consumers mitigate these potential issues? The key lies in responsible use. Carefully review terms, only finance what you can afford to repay, and prioritize shorter repayment periods when possible to minimize interest charges.

Best Practices for Using Affirm Wisely

1. Calculate the total cost including any interest before committing
2. Set up automatic payments to avoid late fees
3. Use Affirm for planned purchases rather than impulse buys
4. Compare Affirm’s terms with other payment options
5. Keep track of multiple Affirm loans to manage overall debt

By following these guidelines, sports and outdoor enthusiasts can leverage Affirm’s benefits while minimizing potential financial risks.

Maximizing Value: Combining Affirm with Retailer Promotions

Savvy shoppers can enhance the benefits of Affirm financing by strategically combining it with retailer promotions and loyalty programs. This approach can lead to significant savings and added value on sporting goods purchases.

Strategies for Optimal Savings

• Stack Affirm financing with seasonal sales events
• Utilize retailer-specific loyalty programs for additional discounts or rewards
• Look for Affirm-specific promotions offering extended 0% APR periods
• Combine Affirm with cashback portals for extra savings
• Take advantage of price matching policies while using Affirm

Can Affirm be used with coupon codes? In most cases, yes. Many retailers allow the use of promotional codes in conjunction with Affirm financing, potentially lowering the overall cost of your purchase.

Retailer-Specific Opportunities

Different sporting goods stores offer unique ways to maximize value when using Affirm:

• DICK’S Sporting Goods: ScoreCard Rewards program can be used alongside Affirm
• REI: Combine Affirm with member dividends for additional savings
• Adidas: Creators Club points can be earned on Affirm purchases
• Nike: Utilize Nike Member rewards in conjunction with Affirm financing
• Bass Pro Shops: CLUB points accrue on Affirm transactions

By leveraging these combinations, sports enthusiasts can significantly enhance the value of their purchases while maintaining the flexibility of Affirm’s payment plans.

The Future of Affirm in Sporting Goods Retail

As the landscape of consumer financing evolves, Affirm’s role in the sporting goods industry is likely to expand. Several trends suggest a promising future for this financing option:

• Increasing retailer partnerships
• Integration with mobile shopping apps
• Expansion into experiential sports purchases (e.g., event tickets, travel packages)
• Enhanced data analytics for personalized offers
• Potential for exclusive product launches through Affirm financing

How might these developments benefit sports enthusiasts? As Affirm becomes more integrated with retailers and expands its offerings, consumers can expect more flexible financing options, potentially lower interest rates, and an overall smoother purchasing experience for sporting goods.

Anticipated Innovations

1. Virtual reality shopping experiences with integrated Affirm financing
2. AI-powered recommendations for gear financing based on usage patterns
3. Seamless integration with wearable fitness devices for personalized equipment suggestions
4. Blockchain-based loyalty programs tied to Affirm purchases
5. Sustainable product lines with special Affirm financing terms

These potential developments could revolutionize how consumers approach sports and outdoor equipment purchases, making high-quality gear more accessible while promoting responsible financial practices.

As Affirm continues to evolve and expand its presence in the sporting goods market, it offers an increasingly attractive alternative to traditional credit cards. By providing flexible, transparent financing options, Affirm empowers sports enthusiasts to pursue their passions without the burden of upfront costs or opaque credit terms. Whether you’re gearing up for a new season, upgrading your home gym, or embarking on an outdoor adventure, Affirm’s partnerships with top sporting goods retailers open up a world of possibilities. As with any financing option, responsible use is key to maximizing the benefits while maintaining financial health. By understanding the nuances of Affirm financing and leveraging it strategically, consumers can make informed decisions that enhance their sporting experiences without compromising their financial well-being.

Intro – Affirm’s growing popularity for financing big purchases

In today’s world, credit cards have become less and less popular. With high interest rates, confusing fees, and the risk of falling into serious debt, many consumers are looking for alternative financing options. This is where Affirm comes in – it allows you to split purchases into multiple interest-free payments over time. Affirm is accepted at thousands of retailers, including many major sporting goods stores.

In this article, we’ll take a close look at how Affirm works, the pros and cons, and give you a list of sporting goods stores that accept Affirm financing. Whether you need new hiking boots, a shiny new tent for camping season, or just a few extra rounds at the driving range, Affirm gives you flexibility when credit cards let you down.

What is Affirm and how does it work?

Affirm is a financing option that allows you to split up purchases into biweekly or monthly payments over 3, 6, or 12 months. When you choose Affirm at checkout, you’ll be given loan options to pick from, each with a different number of payments. Once approved, you’ll make your scheduled payments to Affirm each month until the balance is paid off.

One of the best parts of Affirm is that they don’t charge compound interest like credit cards do. This means that with each on-time monthly payment, you simply pay down your original loan balance. As long as you pay on time, you pay no extra fees or interest charges.

Pros of using Affirm

There are several advantages to using Affirm over traditional financing methods:

• 0% APR – No interest is charged on the loan if payments are made on time
• Predictable payments – The payment amount and schedule is set upfront
• No hidden fees – All costs are disclosed before completing the checkout process
• May approve those with limited credit history – Uses additional data for approval decisions
• Flexible payback terms – Pick a repayment plan from 3 to 12 months
• Buy now, pay later model – Receive items immediately while making scheduled payments over time

Cons to be aware of

While very useful, Affirm does come with a few potential drawbacks to consider:

• Late fees – A fee up to $25 may be charged for late or missed payments
• Credit check required – Approval depends on your creditworthiness
• Not accepted everywhere – Some retailers don’t offer Affirm financing
• Loan limits – Maximum loan amount varies by customer

As long as you budget properly for the payments and pay on time each month, you can avoid fees and use Affirm loans responsibly.

Types of Affirm eligible sporting goods

Affirm is great for splitting up large sporting goods purchases over time. Here are some of the most common types of sports and outdoor gear you can finance with Affirm:

• Fishing gear – Rods, reels, tackle boxes, electronics
• Hunting equipment – Firearms, ammunition, tree stands, optics
• Camping supplies – Tents, sleeping bags, backpacks, stoves
• Winter sports gear – Skis, snowboards, outerwear, goggles
• Shoes – Running, hiking, athletic shoes
• Apparel – Workout clothes, yoga pants, athletic tops
• Golf equipment – Clubs, bags, rangefinders, accessories

Virtually any gear sold at major sporting goods retailers that offer Affirm can be financed, including big ticket items.

Top fishing/marine stores accepting Affirm

Avid anglers can find great Affirm financing options at these popular fishing stores:

• Bass Pro Shops – Huge selection of rods, reels, electronics, tackle and accessories
• DICK’S Sporting Goods – Diverse fishing department along with sports/outdoors gear
• Cabela’s – Massive inventory for the passionate outdoorsman
• L.L.Bean – Known for fly fishing gear, also clothing and boots
• West Marine – Specializes in marine, boating equipment and electronics

Between these major retailers, you’ll find every kind of fishing and boating supply imaginable – all available with Affirm’s flexible financing.

Where to buy fishing gear with Affirm

When ordering a big haul of fishing gear, considering using Affirm to finance your purchase. Here are some of the key items you can buy:

• Rods – Freshwater and saltwater rods for bass, trout, inshore and offshore fishing
• Reels – Baitcasters, spinning reels, conventional reels, electric reels
• Line and leaders – Monofilament, fluorocarbon, braided lines, wire leaders
• Lures and bait – Hard baits, soft plastics, flies, live bait like minnows
• Tackle storage – Tackle boxes, bags, accessories to keep gear organized
• Electronics – Fish finders, GPS devices, trolling motors, marine batteries

Whatever you need for a successful day out on the water, Affirm provides a budget-friendly way to get outfitted.

Shoe stores that accept Affirm financing

Along with sporting goods, Affirm is great for financing expensive shoes. Here are some top shoe stores accepting Affirm:

• Finish Line – Athletic shoes like Nike, Adidas, Under Armour
• JD Sports – Trendy sneakers from brands like Puma, Vans, Converse
• Shoe Carnival – Family footwear retailer with athletic and casual styles
• DSW – Massive inventory of dress, casual, athletic shoes
• Famous Footwear – Family friendly shoe source for all ages/styles

If you need new running shoes or a pair of Timberlands for the hiking trails, these shoe stores let you spread out payments over time.

Running shoe brands eligible for Affirm

When shopping for new running sneakers, look for these top brands that can be purchased with Affirm:

• Nike – Industry leader in cutting-edge shoe technology
• Adidas – Known for advanced Ultraboost, NMD, and other lines
• Brooks – Leading name in stability and cushioning for runners
• Saucony – Trusted for high-performance shoes great for racing
• Asics – Japanese brand renowned for comfort and support
• New Balance – Offers wide range of fits/technology for diverse runners

With flexible Affirm financing, you can invest in a quality pair of shoes to help meet your running goals.

Affirm eligible athletic clothing stores

Along with gear and shoes, Affirm also works with top sellers of athletic apparel. Here are some go-to spots for activewear:

• Lululemon – Yoga and athletic apparel for women and men
• Athleta – Workout clothes from Gap’s athletic brand for women
• REI – Outdoor retailer with both name brand and its own activewear
• Decathlon – Affordable sportswear and basics for the entire family
• Under Armour – Base layers, athletic shorts, moisture-wicking shirts
• Adidas – Branded sports apparel designed for performance

Affirm provides flexibility in buying new activewear so you can look great at the gym or on the trails.

Workout apparel you can buy with Affirm

Here are some of the most popular activewear items you can finance using Affirm at major retailers:

• Leggings – Yoga pants, compression leggings, capris
• Sports bras – High support bras for large busts, racerbacks, padded
• Tops – T-shirts, long sleeve shirts, sleeveless shirts, tanks
• Shorts – Gym shorts, running shorts, compression shorts
• Sweatshirts – Hoodies, zip-ups, pullovers, crewnecks
• Swimwear – One-piece suits, bikini separates, board shorts

Affirm gives you access to stylish activewear so you can workout in comfort and confidence.

Outdoor retailers accepting Affirm

Along with sporting goods stores, many outdoor recreation retailers now offer Affirm financing. Here are some top options:

• Moosejaw – Outdoor apparel, camping gear, climbing equipment
• Backcountry – Hiking, skiing, and other outdoor gear
• REI – Massive outdoor co-op retailer with huge product selection
• Eastern Mountain Sports (EMS) – Clothing, footwear and gear for outdoor adventures
• CampSaver – Specialized in camping gear, clothing, and accessories

Wherever you like to shop for outdoor recreations, chances are Affirm is now offered for flexible financing.

Camping gear available via Affirm

Camping season offers the perfect opportunity to use Affirm financing on bigger ticket items. Here are some ideas of camping gear you can buy:

• Tents – Dome tents, pop-up tents, lightweight backpacking tents
• Sleeping bags – Down or synthetic filled mummy bags or rectangular bags
• Air mattresses – Inflatable mattresses for comfort
• Camp furniture – Portable chairs, cots, hammocks, tables
• Camp stoves – Propane stoves, portable grills, butane stoves
• Coolers – Hard and soft coolers to keep food/drinks chilled
• Lighting – Lanterns, flashlights, headlamps for the campsite

Affirm financing helps make your next camping trip more affordable and enjoyable.

How to apply for Affirm financing in stores or online

Applying for Affirm is quick and easy whether you shop online or in stores. Here’s what to do:

Online – When checking out, look for the Affirm messaging, click “More Info” and follow the prompts. You’ll fill out a simple application, get approved, then complete checkout.

In stores – When at checkout, let the cashier know you’d like to apply for Affirm financing. They’ll walk you through the steps to get approved on the spot.

For pre-approval, you can also apply for an Affirm account on their website or mobile app before shopping. This will show your maximum Affirm limit.

Tips for responsible use of buy now, pay later financing

When used wisely, Affirm can be an extremely valuable shopping tool. But like any financing option, you’ll want to use it responsibly. Here are some tips:

• Don’t overextend your budget – Only finance what you can truly afford
• Pay on time – Setting payment reminders helps avoid late fees
• Read terms – Understand loan details like APRs, payment schedule, etc.
• Build credit – Making on-time payments helps improve your credit score
• Compare options – Shop around for the best rates on bigger loans

Using common sense with any financing plan helps ensure it works in your favor. Affirm makes it easier than ever to gain access to credit with flexible terms for your big sporting goods purchases.

What is Affirm and how does it work? Breakdown of the lending process

Affirm is an online lending platform that allows consumers to split purchases into fixed monthly payments. With Affirm, shoppers can finance everything from clothing and shoes to sporting goods and outdoor gear interest-free. Here’s a quick rundown of how Affirm works:

When checking out on a retailer’s website that offers Affirm, you’ll see the option to pay with Affirm. Selecting this payment option allows you to choose from 3, 6, or 12 month payment plans. Affirm will then conduct a soft credit check to determine your eligibility and present you with your monthly payment options. If approved, you’ll pay your first month’s payment to Affirm at checkout and then pay the remaining balance over your chosen payment schedule. There are no hidden fees or penalties for early repayment.

One of the biggest benefits of using Affirm is that it allows you to split large purchases into more manageable payments paid over time. This can make higher ticket sporting goods or outdoor gear more accessible. Using Affirm also helps consumers avoid paying interest on purchases, as long as the full balance is paid on time each month. Missed payments may incur interest or penalties, so it’s important to make sure you can afford the monthly payments when selecting a plan.

Now that we’ve covered the basics of how Affirm works, let’s take a look at some of the top sporting goods and outdoor retailers that accept Affirm financing.

15 Sporting Goods Stores that Accept Affirm Financing

If you’re an outdoor enthusiast looking to gear up for your next adventure or want to upgrade your equipment without breaking the bank, consider using Affirm to finance your purchase interest-free. Here are 15 great sporting goods stores that accept Affirm:

1. REI

REI is one of the most popular outdoor recreation retailers carrying top brands like The North Face, Patagonia, and Columbia. Whether you need a new tent, backpack, hiking boots, or other outdoor gear, you can split your purchase into monthly payments over 3, 6, or 12 months when checking out with Affirm. REI also offers free U.S. shipping on orders over $50.

2. Moosejaw

At Moosejaw, you’ll find premium outdoor apparel, climbing gear, tents, backpacks, and more available with Affirm financing. The retailer offers free shipping on orders over $49 and price-matching if you find a lower price somewhere else. Splitting your order into 3 or 6 month payments can make that expensive climbing harness or ski jacket more affordable.

3. Backcountry

Backcountry is a top destination for outdoor gear online, with a huge selection of equipment for hiking, camping, climbing, cycling, skiing, and more. Whether you need a new bike, kayak, skis, or snowboard, Backcountry has you covered. Check out with Affirm to pay over time in 3, 6, or 12 monthly installments.

4. evo

At evo, you can shop top action sports brands like Burton, Volcom, Oakley, and more while paying with Affirm. evo is a go-to retailer for snowboards, ski gear, skateboards, surfboards, inline skates, and other action sports equipment. Split your order into low monthly payments and get ready to shred!

5. Sun & Ski Sports

Sun & Ski Sports has 30+ stores across 9 states, offering outdoor gear for skiing, snowboarding, camping, hiking, and more. In-store or online, you can use Affirm to finance ski packages, snowboards, bikes, kayaks, stand up paddleboards, and any gear that gets you outside. Sun & Ski’s price match guarantee means you get the best deal.

6. The House

As one of the largest online outdoor gear retailers, The House is a top destination for skateboards, snowboards, ski and snowboard gear, plus apparel, shoes, and accessories from the biggest brands. The House offers free 3-day shipping and returns, along with the option to checkout with Affirm for easy financing.

7. Sport Chalet

Based in California, Sport Chalet carries equipment for outdoor sports like camping, hiking, skiing, snowboarding, soccer, lacrosse, baseball, and more. The retailer offers in-store pickup and online ordering with Affirm financing available, making it easy to split your purchases into monthly payments.

8. Scheels

With 30+ locations across 13 states, Scheels is one of the largest sporting goods stores in the U.S. You can shop top brands for hunting, fishing, camping, hiking, skiing, team sports, and more and take advantage of 0% APR financing on purchases of $499 or more when checking out with Affirm.

9. Play It Again Sports

For new and gently used sporting goods on a budget, check out Play It Again Sports. With over 400 locations nationwide, you can save money on previously owned gear for team sports, fitness, outdoor recreation, and more. Play It Again Sports accepts Affirm, allowing you to finance quality used equipment.

10. Altrec

Altrec is an online outdoor gear retailer offering thousands of products for camping, hiking, climbing, cycling, watersports, and more. Top brands like Deuter, Osprey, and Black Diamond offer durable and performance-ready gear, all available to finance interest-free by checking out with Affirm.

11. Skis.com

Looking to gear up for ski season? Skis.com is one of the most popular online retailers for ski and snowboard equipment and apparel. Find all the latest gear and divide your purchase into 3, 6 or 12 monthly installments using Affirm at checkout.

12. Competitive Cyclist

Competitive Cyclist lives up to its name with an expansive selection of cycling equipment, apparel, and accessories designed for competitive and hardcore riders. Finance your new road bike, mountain bike, components, or cycling apparel using Affirm.

13. LeftLane Sports

LeftLane Sports stocks tons of apparel, footwear, and gear for running, training, yoga, outdoor sports, and everyday active lifestyles. You can checkout using Affirm to split your purchase into multiple interest-free payments over time.

14. Gear Coop

Gear Coop specializes in outdoor apparel, footwear, and equipment from The North Face, Patagonia, Merrell, and other top outdoor brands. Finance your purchase with Affirm and get ready for adventure while paying over time.

15. Steep & Cheap

Find killer deals on outdoor apparel, gear, and equipment at Steep & Cheap, Backcountry’s sister site featuring overstock sales and limited time deals. Even on sale items, you can checkout with Affirm to finance your purchase interest-free over 3, 6, or 12 months.

Whether you need a complete ski or snowboard setup, a new bike for summer riding, or basic camping and hiking gear for your next adventure, the retailers above all offer Affirm financing. Empower yourself to get the right equipment for your needs and divide the costs into more manageable monthly payments. With approvals in seconds and no hidden fees, Affirm can make upgrading your sporting goods and outdoor recreation gear more accessible. Just don’t forget to budget accordingly and make your payments on time each month!

Pros of using Affirm – 0% APR, flexible payback terms, no hidden fees

Affirm has become an increasingly popular payment option, especially for bigger ticket purchases like sporting equipment and outdoor gear. But what exactly are the benefits of using Affirm financing? Here’s a closer look at some of the biggest pros of paying with Affirm.

Zero interest

One of the best features of Affirm is that it offers 0% APR financing on almost all purchases. As long as you make your monthly payments on time, you won’t pay any interest whatsoever. This makes Affirm an affordable way to pay off large purchases over time without accruing interest fees like you would with a credit card.

Predictable payments

When you choose Affirm at checkout, you’ll immediately see your monthly payment options over 3, 6, or 12 months. You decide what works best for your budget. This transparency and predictability allows you to plan ahead and know exactly what to expect each month.

No hidden or late fees

Affirm is very upfront with all its terms and charges. There are no hidden fees and no penalties for paying off your purchase early. The only time extra fees may be incurred is if you miss a payment, but Affirm will clearly notify you of any charges before they happen.

Fast and easy approvals

Applying through Affirm takes just seconds, with most customers getting an instant approval decision. They use soft credit checks that don’t affect your credit score. As long as you have a relatively healthy credit history, you’re likely to get approved.

Flexible payback terms

You can choose to pay back your purchase over 3, 6, or 12 months, depending on the total amount financed. This flexibility makes it easy to select an affordable monthly payment that fits your budget and timeline.

Using Affirm to finance sporting goods, outdoor gear, and other recreational purchases can be highly beneficial for the reasons above. Here are 15 great sporting goods and outdoor retailers that accept Affirm.

15 Sporting Goods Stores that Accept Affirm

Outdoor gear and sporting equipment can be seriously expensive. But paying full price upfront shouldn’t stop you from getting the right equipment for your needs. Luckily, the following retailers all accept Affirm financing so you can pay over time.

1. Moosejaw

Known for its awesome rewards program and funny product reviews, Moosejaw also offers Affirm financing on its huge selection of camping, climbing, hiking, and outdoor gear. Spread out the cost of that new Gregory backpack or Osprey tent.

2. REI

REI Co-op is the go-to for all things outdoors, from snowboards to kayaks to hiking boots. Use Affirm at checkout to finance your purchase interest-free over 3, 6, or 12 month terms.

3. Backcountry

Find ski and snowboard equipment, camping supplies, outdoor apparel, hiking gear, and pretty much anything else you need for adventure at Backcountry.com. Pay over time by selecting Affirm at checkout.

4. Evo

Evo stocks all the best gear for skating, skiing, snowboarding, surfing and just about any action sport you can think of. Break up the cost by paying with Affirm.

5. Competitive Cyclist

Bikes, components, accessories – Competitive Cyclist is like the REI of cycling gear. Use Affirm financing to pay for that new road bike or enduro rig over time.

6. Steep & Cheap

Find killer deals on discounted outdoor apparel and equipment at Steep & Cheap. Even sale items are eligible for Affirm, so you can get a bargain and still pay over time.

7. The House

With tons of skateboards, snowboards, outdoor apparel, and accessories, The House has free 3-day shipping and returns. Payments with Affirm are easy and interest-free.

8. LeftLane Sports

LeftLane Sports has all the performance workout wear, sneakers, active apparel and gear you need for running, training, yoga, and general fitness. Check out with Affirm for easy payments.

9. Sun & Ski Sports

With 30+ stores across 9 states, Sun & Ski Sports offers one of the largest ski, snowboard, and outdoor gear selections around. In-store or online, use Affirm at checkout.

10. Play It Again Sports

Save money on gently used sporting goods for every activity at Play It Again Sports’ 400+ locations. Affirm financing is available online or in-store.

11. Altrec

One of the web’s best outdoor gear sites, Altrec stocks tons of hiking, climbing, camping, skiing, cycling, and other adventure gear. Check out with Affirm to pay over time.

12. Gear Coop

Gear Coop specializes in outdoor apparel, footwear, and equipment from Patagonia, The North Face, Merrell, Arc’teryx and more. Use Affirm to pay for your purchase in installments.

13. Skis.com

A top online retailer devoted to skiing, Skis.com has all the latest ski gear, apparel, and accessories. Finance your new setup using Affirm’s flexible payment options.

14. Scheels

With 30+ mega stores across 13 states, Scheels stocks tons of sports and outdoors equipment. Use Affirm financing on purchases $499+ for 0% APR over 12 months.

15. Sports Chalet

Based in California, Sports Chalet offers equipment for soccer, lacrosse, baseball, snowboarding, camping, and much more. Affirm is available online or in-store.

The next time you need to gear up, consider using Affirm to keep costs low and split your purchase into manageable monthly payments. With no interest and transparent terms, Affirm makes financing large sporting goods and outdoor gear purchases more accessible and affordable.

Cons to be aware of – Late fees, credit check required, not accepted everywhere

While Affirm offers several nice benefits like 0% APR and predictable payments, there are a few potential downsides to consider as well before financing with Affirm.

Late fees

If you miss an Affirm payment, you may be charged a late fee just like with a credit card. Late fees are usually around $15-20. Multiple missed payments can also hurt your credit score and result in penalty APRs.

Credit check required

While pre-qualification with Affirm only involves a soft credit check, when you complete an actual purchase, Affirm runs a hard credit inquiry which can temporarily ding your credit score a few points.

Not accepted everywhere

While Affirm is accepted at most major sporting goods retailers, some small local shops or individual sellers may not offer Affirm financing as a payment method. So it’s not universally accepted like Visa or Mastercard.

Easy to overspend

By allowing you to spread out payments over time, Affirm makes it tempting to overspend on gear you may not be able to comfortably afford all at once. Make sure to only finance what you can reasonably budget for.

Even with these cautions in mind, Affirm remains a solid financing option for large sporting goods purchases. Here are 15 top sporting goods stores that accept Affirm online or in-store.

15 Sporting Goods Stores that Accept Affirm

Affirm is accepted at all the major national sporting goods chains, specialty outdoor retailers, and local team sports stores below. Take advantage of 0% APR financing and pay over time when you shop at these top retailers.

1. Dick’s Sporting Goods

One of the largest sporting goods retailers in the country, Dick’s offers huge selection of sports equipment, apparel, and footwear for team sports, outdoors, fitness training, and more. Use Affirm online or in-store.

2. Big 5 Sporting Goods

Based in CA but with 400+ locations across the western U.S., Big 5 stocks camping gear, sports equipment, fitness essentials, footwear, apparel and more. Checkout with Affirm to finance purchases.

3. Sportsman’s Warehouse

With 100+ locations in 22 states, Sportsman’s Warehouse is a top retailer for hunting, fishing, camping, and outdoor recreation gear. Select Affirm at checkout to pay over time.

4. Olympia Sports

Based in the Northeast U.S., Olympia Sports is a go-to for sports equipment, footwear, and apparel. Use Affirm in-store or online to spread out payments over 3, 6, or 12 months.

5. Field & Stream

Field & Stream is like Dick’s Sporting Goods’ outdoor-focused sister store with tons of fishing, hunting, camping, and hiking gear. Affirm financing is available online and in Field & Stream’s 60+ locations.

6. Bob’s Stores

Owned by Eastern Mountain Sports, Bob’s Stores on the East Coast stocks sports equipment plus outdoor apparel and footwear. Checkout with Affirm online or in any Bob’s location.

7. Dunham’s Sports

Based in the Midwestern U.S., Dunham’s Sports offers equipment and apparel for team and solo sports from top brands. Use Affirm to finance your purchase online or at any Dunham’s store.

8. L.L. Bean

Known for its reliable outdoor gear and signature Bean Boots, L.L.Bean allows you to split purchases into monthly Affirm payments for 0% interest. Just select Affirm at checkout.

9. DICK’S House of Sport

DICK’S new House of Sport flagship stores offer premium services plus tons of sports and outdoor gear. Affirm financing is available both online and in House of Sport stores.

10. Rally House

With 100+ local stores across the Midwest and Northeast, Rally House stocks team apparel and equipment for sports fans. You can use Affirm online or at any Rally House location.

No matter what outdoor activity you love, any of the major sporting goods retailers above will let you use Affirm financing to spread out payments over time. Just be sure to budget responsibly and avoid late fees or overspending.

Types of Affirm eligible sporting goods – Fishing gear, shoes, outdoor equipment

Thanks to partnerships with all the major sporting goods retailers, Affirm can be used to finance a huge range of sports and outdoor gear. Here are some of the most common types of items people use Affirm to purchase.

Fishing Gear

From rods and reels to tackle boxes and fishing kayaks, you can use Affirm to finance all the fishing gear you need for freshwater fishing or deep sea adventures. Stores like Bass Pro Shops, Cabela’s, DICK’S Sporting Goods, and more all accept Affirm for fishing purchases.

Hiking & Camping Equipment

Get ready for backpacking trips and camping weekends by financing tents, sleeping bags, portable stoves, coolers, navigation devices and other camping must-haves with Affirm. Top retailers like REI, moosejaw, Backcountry, and Altrec allow Affirm financing on outdoor gear.

Hunting Equipment

Use Affirm to finance hunting gear like compound bows, tree stands, decoys, specialized clothing, optics and scopes, ammo, firearms cases, and more. Major hunting retailers that accept Affirm include Cabela’s, Bass Pro Shops, Sportsman’s Warehouse, and Field & Stream.

Winter Sports Gear

Hit the slopes with new ski or snowboard equipment financed over time with Affirm. Retailers like evo, Backcountry, and REI offer Affirm financing on snowboards, skis, boots, bindings, helmets, goggles, and winter apparel.

Team Sports Equipment

Get the right gear for soccer, baseball, football, lacrosse, volleyball, and more and split the costs into monthly payments. Stores like DICK’S Sporting Goods, Dunham’s Sports, Olympia Sports, and Modell’s Sporting Goods offer Affirm.

Athletic Footwear

Finance new sneakers and athletic shoes for training, running, lifestyle wear, and team sports with Affirm. Retailers like Nike, Adidas, Under Armour, Puma, and more allow Affirm financing on footwear.

Fitness Equipment

Equip your home gym with Affirm by financing treadmills, ellipticals, exercise bikes, weights, racks, and more. Specialty fitness retailers like Rogue Fitness allow customers to pay over time with Affirm.

When it comes to outdoor recreation retailers, the following top 15 all accept Affirm financing on their huge selections of gear and equipment.

15 Sporting Goods Stores that Accept Affirm

If you need to stock up on sports and fitness gear for any activity, these top sporting goods stores all accept Affirm as a payment method at checkout.

1. Bass Pro Shops

One of the leading outdoor recreation retailers, Bass Pro offers fishing gear, hunting equipment, camping supplies, boating accessories, and more. Use Affirm to finance purchases.

2. REI

REI stocks a massive selection of outdoor gear and apparel for camping, hiking, climbing, cycling, and more. Check out with Affirm to pay over time.

3. Cabela’s

Along with hunting, fishing, and camping gear, Cabela’s also has gear for team sports, footwear, and apparel. In-store or online, Affirm financing is available.

4. Moosejaw

Known for its outdoor apparel and gear selection, Moosejaw offers Affirm financing on backpacks, tents, snowboards, kayaks, and tons of other adventure gear.

5. Backcountry

One of the web’s top outdoor gear sites, Backcountry has skiing, snowboarding, climbing, hiking, camping, and tons more. Check out with Affirm.

6. evo

evo specializes in gear and apparel for skiing, snowboarding, skating, surfing, and other action sports. Use Affirm to finance your purchase.

7. DICK’S Sporting Goods

With 800+ stores, DICK’S is a top destination for sports equipment, apparel, footwear and more. In-store or online, Affirm financing is available.

8. Sportsman’s Warehouse

Great for hunting, fishing, and camping supplies, Sportsman’s Warehouse offers Affirm financing online and in all 100+ store locations.

9. Scheels

Find sports gear, fashion apparel, footwear and equipment for the outdoors at any Scheels store. Affirm financing is offered online and in-store.

10. Field & Stream

The outdoor-focused sister brand of DICK’s Sporting Goods, Field & Stream stocks tons of fishing, hunting, camping, and adventure gear. Use Affirm at checkout.

No matter what sports or activities you enjoy, the major retailers above all accept Affirm to finance equipment purchases over time. Take advantage of 0% APR financing and flexible payback terms when you need new gear.

Top fishing/marine stores accepting Affirm – Bass Pro Shops, DICK’S Sporting Goods, L.L.Bean

If you love fishing, boating, or marine recreation, Affirm financing can help you afford all the gear you need without paying full price upfront. Here are some of the best fishing and marine stores that accept Affirm.

Bass Pro Shops

One of the most popular outdoor recreation retailers, Bass Pro Shops is a top destination for fishing gear, boats, marine electronics, and water sports equipment. They offer Affirm financing on all purchases including rods, reels, tackle, accessories, kayaks, paddle boards, and more.

Cabela’s

Similar to Bass Pro, Cabela’s also stocks a huge selection of fishing tackle, gear, boats, accessories, marine clothing and footwear. Use Affirm financing at checkout both online and in stores to pay over time.

West Marine

Specializing in boating and marine equipment, West Marine carries fishing gear along with boat parts and accessories, electronics, safety equipment, tools, and apparel. Affirm is available online and in West Marine’s 250+ stores.

DICK’S Sporting Goods

In addition to sports equipment, DICK’S has a great selection of tackle, rods, cooling and bait equipment, fishing kayaks, and accessories available with Affirm financing online or in stores.

Sportsman’s Warehouse

With fishing gear, hunting equipment, and boating accessories, Sportsman’s Warehouse offers Affirm financing on tackle boxes, electronics, pontoon boats, fishing clothing, and tons more fishing and boating gear.

L.L.Bean

Known for their reliable outdoor gear, L.L.Bean has fishing equipment, kayaks, stand up paddleboards, and boating accessories available with Affirm. Just select it at checkout to pay over time.

REI

In addition to hiking and camping gear, REI stocks fishing and marine equipment like kayaks, paddles, life jackets, rods, reels, electronics and fishing apparel. Affirm financing is available.

Austin Kayak

Austin Kayak specializes in kayaks and paddleboards, but also stocks fishing accessories, lifejackets, paddles, electronics and more. Check out with Affirm to pay over 3, 6 or 12 months.

Backcountry

While best known for outdoor gear, Backcountry has fishing equipment, stand up paddleboards, kayaks, clothing, electronics, and accessories available with Affirm financing at checkout.

moosejaw

Another outdoor retailer with solid fishing and boating options, moosejaw offers Affirm financing on kayaks, paddles, fishing apparel, rods, reels, tackle, and electronics.

So whether you need a new rod and reel combo for bass fishing or want to upgrade your boat’s electronics, the fishing and marine retailers above all accept Affirm. You can pay over time with 0% APR when you need new gear for your next water adventure.

Top athletic footwear stores accepting Affirm

Along with outdoor and sports equipment, Affirm is great for financing athletic shoes and footwear as well. Here are the top shoe stores that accept Affirm.

Nike

One of the most popular athletic brands, Nike offers Affirm financing on all footwear including sneakers, running shoes, basketball shoes, training shoes, and more. Just choose Affirm at checkout.

Adidas

Known for performance sports footwear and apparel, Adidas allows customers to use Affirm financing on online orders for sneakers, athletic shoes, and lifestyle footwear.

Under Armour

Trusted for innovation in activewear and footwear, Under Armour has training shoes, running shoes, basketball shoes, cleats, and more available with Affirm monthly financing when shopping online.

ASICS

Focused on performance technology for runners and athletes, ASICS offers top-rated running, training, tennis, volleyball shoes and more. Use Affirm at checkout to pay monthly.

Puma

Known for stylish sports gear and shoes, Puma allows customers to use Affirm financing on orders placed online for athletic sneakers, running shoes, training footwear, and more.

New Balance

Trusted for technical performance and classic American style, New Balance has a huge selection of footwear like running shoes, walkers, cleats, and lifestyle sneakers available with Affirm.

Converse

Iconic for their classic Chuck Taylor All Stars, Converse allows customers to use Affirm monthly financing when ordering sneakers and lifestyle shoes online.

So next time you need fresh kicks, consider using Affirm when shopping directly from any of these top athletic footwear brands to split costs into manageable monthly payments over time.

Where to buy fishing gear with Affirm – Rods, reels, tackle, electronics

Upgrading your fishing setup doesn’t have to drain your wallet if you use Affirm financing to spread out payments. Here are the best places to get fishing rods, reels, tackle, electronics and more using Affirm.

Rods and Reels

A quality rod and reel combo is essential for successful fishing. Bass Pro Shops and Cabela’s both offer huge rod and reel selections from top brands like Shimano, Abu Garcia, Daiwa, and more. Finance the perfect freshwater or saltwater setup using Affirm.

Terminal Tackle

No tackle box is complete without the necessities like hooks, lines, lures, swivels, sinkers, and bobbers. Stock up on terminal tackle for bass, trout, or big game ocean fishing using Affirm at retailers like Bass Pro, Cabela’s, DICK’s Sporting Goods, and Sportsman’s Warehouse.

Electronics and Accessories

Fishing electronics like GPS units, fish finders, marine radios, and depth finders help you locate fish. Protect your gear with rod holders, tackle boxes, nets, gloves, sunglasses and more. Use Affirm financing at Cabela’s, West Marine, or Bass Pro Shops.

Kayaks and Paddleboards

Paddle out to your favorite fishing spot in a hands-free fishing kayak or stand-up paddleboard. Top retailers like REI, Backcountry, Austin Kayak, and L.L.Bean all offer Affirm financing on kayaks and paddleboards.

Specialized Apparel and Footwear

Stay comfortable on the water in UV-protective shirts, polarized sunglasses, moisture wicking socks, fishing vests, and waterproof boots. Outdoor retailers like REI, L.L.Bean, and Backcountry allow Affirm financing on fishing apparel.

Ice Fishing Gear

Gear up for winter ice fishing with an ice shelter, underwater camera, ice auger, ice fishing rod, thermals, and safety equipment. Cabela’s, Bass Pro, and Sportsman’s Warehouse offer Affirm financing on ice fishing gear.

Wherever you shop, look for the Affirm logo at checkout. They offer 0% APR financing so you can get the gear you need today and pay it off over time in fixed monthly payments.

Where to buy hiking boots and outdoor shoes with Affirm

Along with fishing and sporting equipment, Affirm can also be used to finance hiking boots, outdoor footwear, and trail running shoes from top brands.

REI

REI stocks rugged hiking boots, trail runners, and outdoor shoes from The North Face, Merrell, KEEN, and more. Spread out payments interest-free using Affirm.

Backcountry

Find hiking boots and trail runners from Salomon, Arc’teryx, La Sportiva, and other leading outdoor brands. Backcountry offers Affirm financing.

Moosejaw

Moosejaw carries top hiking footwear brands like Danner, Vasque, Oboz, and Lowa. Check out with Affirm to pay over time.

Zappos

Known for shoes, Zappos has great prices on hiking boots and trail runners from Salomon, Vasque, KEEN and more. Financing is available through Affirm.

Dick’s Sporting Goods

Find reliable hiking boots from brands like Merrell, Columbia, and Hi-Tec. Dick’s Sporting Goods offers Affirm financing online and in all stores.

Wherever you like to shop, choose Affirm at checkout to split your purchase into fixed monthly payments over 3, 6 or 12 months. It’s a great way to get quality hiking footwear without paying full price upfront.

Shoe stores that accept Affirm financing – Finish Line, JD Sports, Shoe Carnival

Along with major sporting goods retailers, Affirm is also accepted at many popular shoe store chains. Here are some top shoe stores that let you checkout with Affirm.

Finish Line

One of the largest athletic shoe retailers, Finish Line offers all the hottest sneaker styles from Nike, Jordan, Adidas, Under Armour, and more. Choose Affirm financing in stores or online to spread out payments.

JD Sports

Known for sports fashion and sneaker culture, JD Sports stocks athletic shoes along with casual sneakers and apparel from top brands. JD Sports customers can use Affirm online or in stores.

Shoe Carnival

With 400+ locations across the U.S., Shoe Carnival offers huge selections of athletic shoes, sandals, boots, dress shoes, and more for the whole family. Affirm financing is available online and in stores.

Famous Footwear

Find name brand shoes for men, women and kids all in one place at Famous Footwear. Well-known brands like Nike, Skechers, Vans, and Dr. Martens can be purchased with Affirm.

DSW

Known for discounted designer shoe styles, DSW allows customers to use Affirm financing on shoes, accessories and handbags from Steve Madden, Vince Camuto, Nike, New Balance, and hundreds more brands.

Rack Room Shoes

With 200+ locations in the Eastern U.S., Rack Room Shoes stocks brand name athletic shoes, sandals, dress shoes, work boots, and accessories. Customers can use Affirm online and in stores.

Shoe Station

Popular in the Southeastern U.S., Shoe Station carries a huge selection of name brand footwear at discounted prices for the whole family. They accept Affirm both online and in 100+ locations.

Other shoe chains that accept Affirm financing include Shoe Dept, Shoe Sensation, Shoe Show, and Shoes For Crews. Wherever you decide to shop for your next pair, look for the Affirm logo at checkout and enjoy easy 0% APR financing.

Sporting goods stores that accept Affirm

Along with footwear, Affirm can be used to finance all types of sporting goods, exercise equipment, and outdoor gear. Here are some top retailers that offer Affirm.

Dick’s Sporting Goods

One of the largest sporting goods retailers, Dick’s has a huge selection of sports equipment, apparel, footwear, and outdoor gear available with Affirm financing online and in stores.

REI

REI is one of the most popular outdoor recreation retailers, with camping supplies, kayaks, skis, hiking boots, and more available with Affirm.

Moosejaw

Known for apparel and outdoor gear, Moosejaw offers Affirm financing on top brands like The North Face, Patagonia, and Marmot.

Academy Sports + Outdoors

With 200+ locations mostly in the Southern U.S., Academy has sports gear, outdoor equipment, footwear, and apparel for the whole family. Affirm is available online and in stores.

Scheels

The huge selection at Scheels includes sports gear, outdoor equipment, apparel, footwear, and accessories. Checkout with Affirm online or at any location.

Cabela’s

Specializing in hunting, fishing, and camping gear, Cabela’s also offers sports equipment, footwear, and apparel with Affirm financing online and in stores.

Other major sporting goods stores accepting Affirm include Bass Pro Shops, Sportsman’s Warehouse, Field & Stream, and Big 5 Sporting Goods. There are many options to finance the gear you need.

Running shoe brands eligible for Affirm – Nike, Adidas, Brooks, Saucony

Affirm financing makes upgrading your running shoes more accessible by letting you pay over time. Many top athletic footwear brands accept Affirm online. Here are some popular running shoe companies that offer Affirm.

Nike

One of the most recognized brands in athletic footwear, Nike offers innovative and stylish running shoes for men and women. When checking out on Nike.com, select Affirm to finance your purchase.

Adidas

Known for high performance sports gear, Adidas has a great selection of cushioned and stable running shoes for all types of training. Use Affirm when you check out your order online at Adidas.com.

Brooks

Focused on running, Brooks is lauded for its supportive, high-tech running shoes tailored to foot type and gait. Check out with Affirm when purchasing your new Glycerin, Ghost, Adrenaline or Launch online.

Saucony

Trusted for high-quality performance running footwear, Saucony offers Affirm financing on innovative shoes like the Ride, Kinvara, Endorphin Speed, and Triumph when buying online.

ASICS

Known for their advanced sports technology, ASICS has top rated running shoes for stability, speedwork, trail running, racing flats, and more. Use Affirm when checking out online.

New Balance

Offering a balance of comfort and support, New Balance has road and trail running shoes for all foot types. Check out with Affirm financing when you shop at NewBalance.com.

HOKA

HOKA running shoes are renowned for their maximum cushioning and responsive feel. Shop their Clifton, Bondi, or Carbon X lines using Affirm’s flexible financing.

Mizuno

Trusted since 1906, Mizuno crafts advanced performance running shoes suited for racing, training, trails and more. Choose Affirm financing at checkout online.

Wherever you decide to shop online, look for the Affirm logo at checkout with any of these top running shoe brands. Pay over time and avoid interest with simple monthly payments.

Sporting goods retailers that offer Affirm

In addition to footwear brands, Affirm is also offered at major sporting goods stores and outdoor retailers. Here are some top merchants that accept Affirm financing.

REI

One of the most popular outdoor recreation retailers, REI carries gear for camping, hiking, biking, snow sports, water sports, and more. Use Affirm to checkout online or in store.

Dick’s Sporting Goods

With a huge selection of sports equipment, footwear, apparel, and accessories, Dick’s offers Affirm financing online and at over 800 store locations.

Academy Sports + Outdoors

Featuring sports gear, outdoors equipment, apparel, and footwear, Academy Sports has 200+ locations mainly in the Southern U.S. Academy accepts Affirm online and in stores.

Moosejaw

Known for its outdoor apparel and gear selection, Moosejaw offers popular brands like The North Face, Patagonia, and Marmot. They accept Affirm online and in stores.

Backcountry

One of the web’s top outdoor gear sites, Backcountry stocks skiing, snowboarding, hiking, climbing, and camping gear. Check out with Affirm.

Wherever you decide to shop, look for the Affirm financing option that lets you split costs into manageable monthly payments over time.

Affirm eligible athletic clothing stores – Lululemon, Athleta, REI, Decathlon

Affirm’s flexible financing can be used to pay for performance athletic wear and workout clothes from top brands. Here are some popular athletic apparel stores that accept Affirm.

Lululemon

Known for its technical yoga wear and running apparel, Lululemon offers Affirm financing on workout clothes, athletic shoes, accessories and more when you shop online at Lululemon.com.

Athleta

With performance apparel designed by women athletes, Athleta has Affirm financing available on their selection of workout clothes, swimwear, shoes, and accessories when shopping online.

REI

Along with outdoor gear, REI stocks fitness apparel, shoes, and accessories from Nike, The North Face, Smartwool, and more top brands. REI allows Affirm financing online and in stores.

Vuori

Known for its comfortable and durable workout clothes, Vuori offers technical joggers, shirts, shorts, and more that can be purchased online using Affirm monthly financing.

Brooks Running

Along with their shoes, Brooks has moisture-wicking run apparel, sports bras, shorts, pants, jackets, and activewear available via Affirm when shopping online at BrooksRunning.com.

Sweaty Betty

Trusted for stylish and functional workout clothing, Sweaty Betty offers Affirm financing on their yoga pants, leggings, sports bras, swimwear and more when you shop online.

Decathlon

This European sporting goods giant offers tons of affordable sports apparel, footwear, and equipment that can be financed using Affirm online and at their 80+ US stores.

So next time you need some new gym clothes or athletic wear, consider using Affirm to pay over time at these retailers. It makes outfitting your active lifestyle more affordable.

Sporting goods for winter sports available with Affirm

Affirm financing can also be used to pay for expensive winter sports gear over time. Here are some items you can finance with Affirm:

Skis

Alpine skis, Nordic skis, backcountry skis – get the skis you need from top brands like Rossignol, Salomon, and Fischer using Affirm at retailers like evo, REI, and Backcountry.

Snowboards

Freeride, all-mountain, or freestyle – snowboards can be hundreds of dollars but retailers like Burton, evo, and Backcountry offer Affirm financing.

Ski and Snowboard Outerwear

Stay warm and dry on the slopes in a ski or snowboard jacket, pants, gloves, goggles, helmet and more available with Affirm at retailers like evo, Backcountry, and The House.

Ice Skates

Figure skates, hockey skates, and recreational skates from brands like Bauer and American Athletic can be financed over time using Affirm at retailers like Pure Hockey and Ice Warehouse.

Don’t let the cost of winter sports gear stop you from having fun. Use Affirm to split your purchase into manageable monthly payments.

Workout apparel you can buy with Affirm – Leggings, sports bras, activewear

Affirm’s flexible financing options make it easy to refresh your workout wardrobe with new fitness apparel from leading athletic brands. Here are some of the most popular types of workout clothes you can buy with Affirm.

Leggings

Leggings are a workout wardrobe staple thanks to their comfort and performance. Get the perfect pair for yoga, running, or training from brands like Lululemon, Athleta, Nike, and Alo Yoga using Affirm financing.

Sports Bras

A supportive sports bra is essential for high impact workouts. Brands like Brooks, Sweaty Betty, Lululemon, Athleta, and Nike offer sports bras online with Affirm monthly financing.

Activewear Tops

Update your workout tops with moisture-wicking shirts, tanks, and long sleeve tops from Athleta, Lululemon, The North Face, and other brands. Affirm financing is available online.

Yoga Pants

Practice comfortably in stretchy and breathable yoga pants from brands like Prana, Onzie, Alo Yoga, Lululemon, and Athleta. Affirm financing makes these expensive yoga pants more affordable.

Workout Shorts

From tight compression shorts to loose running shorts, performance workout bottoms from Nike, New Balance, Reebok, and Asics can be purchased online with Affirm financing.

Athletic Shoes

Many athletic clothing brands also sell workout-ready athletic shoes. Use Affirm to buy top training shoes from Nike, Lululemon, On Running, and Brooks online.

Hoodies and Sweatshirts

Stay warm pre and post workout with a comfortable hoodie or sweatshirt from The North Face, Under Armour, Puma, or Champion using Affirm’s flexible financing online.

Whatever activewear you need, from base layers to outerwear, you can find top brands that accept Affirm financing online. Pay over time and outfit your fitness routine affordably.

Team sports retailers that offer Affirm

Along with fitness apparel, Affirm can also be used to purchase team sports gear and equipment. Here are some team sports stores that accept Affirm:

Soccer

Use Affirm financing at online retailers like Soccer.com, World Soccer Shop, and Eurosport for soccer cleats, goals, balls, and jerseys.

Basketball

Get hoops gear like balls, shoes, jerseys, and backboards with Affirm at online stores like NBAStore.com, Fanatics, and Eastbay.

Baseball

Gear up for baseball season with bats, gloves, cleats, bags and more using Affirm at Baseball Express, Baseball Savings, and other specialty shops.

Lacrosse

For lacrosse gear like pads, helmets, cleats, and sticks, Lacrosse Unlimited, ComLax, and Lacrosse Monkey offer Affirm financing online.

Don’t let equipment costs prevent kids or adults from playing the sports they love. Use Affirm to spread out payments over time at specialty team sports retailers.

Outdoor retailers accepting Affirm – Moosejaw, Backcountry, Eastern Mountain Sports

When gearing up for outdoor adventures, Affirm financing can help you pay for expensive equipment over time. Here are some top outdoor retailers that accept Affirm.

Moosejaw

Known for its awesome rewards program and humorous product reviews, Moosejaw is a top outdoor apparel and gear retailer. They offer Affirm financing on tents, backpacks, hiking boots, climbing gear, kayaks, and winter sports equipment.

Backcountry

One of the largest online outdoor gear retailers, Backcountry stocks premium brands for skiing, snowboarding camping, hiking, cycling, and more. All purchases are eligible for Affirm monthly financing.

REI

REI Co-op is the go-to outdoor cooperative for camping, hiking, climbing, biking, paddling, and snow sports gear. Use Affirm to break up payments on a tent, kayak, backpack, or snowboard.

Eastern Mountain Sports (EMS)

Specializing in outdoor gear for activities like camping, hiking, trail running, and rock climbing, EMS offers Affirm financing on top brands like The North Face, Marmot, and Mountain Hardwear.

Altrec

One of the most popular online outdoor gear retailers, Altrec offers equipment for camping, hiking, climbing, skiing, and cycling. Altrec accepts Affirm for easy financing at checkout.

evo

evo specializes in gear and apparel for skiing, snowboarding, camping, hiking, and other outdoor sports. Customers can use Affirm to finance purchases interest-free.

Steep & Cheap

Find limited time deals on outdoor apparel, hiking boots, ski gear, camping equipment and more at Steep & Cheap. Even sale items can be purchased using Affirm.

So whether you need a tent, sleeping bag, pack, or kayak, the outdoor retailers above all accept Affirm financing to help you affordably gear up for adventure.

Sporting goods stores with nationwide locations that take Affirm

Major national sporting goods chains across the U.S. also accept Affirm financing online and in stores. Here are some top nationwide stores that take Affirm:

Dick’s Sporting Goods

With over 800 stores across the country, Dick’s offers huge selections of sports gear, apparel, footwear and outdoor equipment. In-store or online, Dick’s accepts Affirm.

Academy Sports + Outdoors

Headquartered in Texas, Academy Sports has over 200 stores mostly across the Southern U.S. They offer Affirm financing online and in stores.

Big 5 Sporting Goods

Focused on value prices, Big 5 has over 400 locations especially across the Western U.S. Customers can use Affirm both online and in-store for financing.

Sportsman’s Warehouse

With 100+ stores across the U.S., Sportsman’s Warehouse offers Affirm financing on their hunting, fishing, and outdoor gear online and in stores.

Along with local and regional sporting goods chains, these major national retailers all accept Affirm both online and at locations across the country.

Camping gear available via Affirm – Tents, sleeping bags, coolers, stoves

Camping adventures require a lot of gear, which can get expensive. Luckily, Affirm financing allows you to pay for camping equipment over time. Here is some camping gear you can buy with Affirm.

Tents

A tent is essential for any camping trip. With Affirm, you can finance tents from brands like Coleman, ALPS Mountaineering, Marmot, Kelty, and REI Co-op at retailers like Moosejaw, Backcountry, and Dick’s Sporting Goods.

Sleeping Bags

Stay warm and comfy at night with an Affirm financed sleeping bag from The North Face, Marmot, Kelty, REI, and more. Top retailers like Backcountry, MooseJaw, and REI offer Affirm financing on sleeping bags.

Camping Coolers

Keep food and drinks cold and refreshing with a spacious camping cooler from YETI, Igloo, Coleman, and other brands, available with Affirm financing at Cabela’s, Dick’s Sporting Goods, and other major retailers.

Stoves and Grills

Cook meals at your campsite with a portable propane camping stove or grill from Coleman, Camp Chef, and Blackstone. Retailers like Dick’s Sporting Goods, Sportsman’s Warehouse, and Bass Pro Shops offer Affirm financing on stoves.

Camp Furniture

Relax around the campfire or at your site with cozy, portable folding chairs, hammocks, cots, and tables. Brands like Coleman, ALPS Mountaineering, and Rio accept Affirm financing at major retailers.

Camping Lights

Illuminate your campsite at night with battery powered string lights, lanterns, headlamps, and flashlights. Brands like Black Diamond, Goal Zero, and Coleman offer portable lighting available via Affirm.

Whatever camping gear you need, from tents and bags to stoves and coolers, look for the Affirm financing option when shopping at major sporting goods and outdoor retailers online.

Hunting supplies buyers can purchase with Affirm

Along with camping gear, Affirm also provides flexible financing on hunting equipment and supplies.

Firearms

Use Affirm to pay over time for rifles, shotguns, handguns, muzzleloaders, optics, ammo, and accessories from top brands like Savage, Ruger, Smith & Wesson, and more at Field & Stream, Sportsman’s Warehouse, and other firearm retailers.

Hunting Clothing

Sporting goods stores like Cabela’s, Bass Pro Shops, and Sportsman’s Warehouse offer Affirm financing on camo hunting apparel, boots, waders, jackets, and thermals from Sitka, Under Armour, Browning, and other brands.

Tree Stands

Brands like Summit, Millennium, Lone Wolf, X-Stand, and more sell durable tree stands for bow and rifle hunting that can be financed using Affirm at Dick’s Sporting Goods, Cabela’s, and specialty retailers.

Don’t let the startup costs prevent you from enjoying hunting season. Use Affirm financing to spread out payments on firearms, apparel, tree stands, optics, and other hunting gear over time.

How to apply for Affirm financing in stores or online

Affirm has become a popular payment option for shoppers looking to finance big-ticket purchases over time. The “buy now, pay later” service allows you to split up payments on purchases at thousands of retail partners. But how exactly can you take advantage of Affirm when shopping at your favorite sporting goods stores?

Using Affirm is easy whether you’re shopping online or in physical stores. Here’s a step-by-step guide to getting approved for Affirm financing and making a purchase:

1. Apply for Affirm – You can apply by downloading the Affirm app, going to Affirm.com, or applying directly through a retailer’s website. The application only takes a few minutes and won’t impact your credit score. You’ll get a decision instantly.
2. Get approved – Affirm approves people of all credit backgrounds. They’ll show you available payment options based on the amount you’re spending. For larger purchases, you may be offered 3, 6 or 12 months financing.
3. Select payment schedule – Pick the repayment schedule and down payment (if any) that fits your budget. Longer terms have higher APRs.
4. Make a purchase – Add items to your cart and select Affirm at checkout. The full purchase amount will be split into predictable monthly payments.
5. Pay over time – Your repayment schedule is locked in. Just pay each month by debit, ACH, or check. Late or missed payments may be subject to fees.

When shopping in-store, look for signs that the retailer accepts Affirm. You can get pre-approved in the app then pay using Affirm at the register. Some stores also allow you to apply in person.

Affirm is available at over 100,000 merchants online and in-store. Many major sporting goods retailers accept Affirm financing on purchases. Here are 15 popular stores where you can use Affirm:

1. Academy Sports + Outdoors

Academy Sports offers Affirm on purchases $50 and up on their website and in over 250 retail locations. You can use it for equipment, apparel, footwear and more. Academy frequently promotes special financing offers, so keep an eye out for 0% APR deals.

2. Al’s Sporting Goods

This sporting goods chain based in the Midwest has 50+ stores. Shoppers can use Affirm online or in stores for any purchase amount. Al’s sells major brands like Nike, Under Armour, The North Face and more.

3. Big 5 Sporting Goods

With over 400 stores, Big 5 Sporting Goods carries equipment for team sports, fitness, camping, hunting and fishing. Affirm is available in-store and online with no minimum purchase. You can use it on sale and clearance items too.

4. Bob’s Stores

Bob’s Stores primarily sells athletic apparel, footwear and team uniforms in the eastern U.S. Affirm financing starts at just $50 online and in their 100+ retail locations. Bob’s runs frequent promotions with 0% APR for 6-12 months.

5. City Sports

City Sports has a handful of stores in the Northeast and an online store at citysports.com. The retailer offers urban athletic apparel, sneakers, and equipment for sports like yoga, running, and basketball. Affirm is available online and in stores.

6. Dunham’s Sports

With over 250 locations across the Midwest and South, Dunham’s Sports is a regional sporting goods powerhouse. They offer everyday low prices on major brands. Affirm financing is available on all purchases with flexible 3-12 month payment plans.

7. Fanatics

Fanatics is the top online retailer for licensed sports gear and apparel. You can use Affirm on the Fanatics site for any purchase amount. That makes it easy to finance those high-priced jerseys and jackets over time.

8. Hibbett Sports

Hibbett Sports brings major brands like Nike, Under Armour and adidas to communities across the South. Their website and over 1,000 stores now accept Affirm at checkout. There’s no minimum so you can finance even small purchases.

9. Modell’s Sporting Goods

Modell’s Sporting Goods stores are located throughout the Northeast and Mid-Atlantic regions. They carry equipment for team sports, fitness gear, footwear and apparel. You can apply for Affirm financing in any Modell’s location.

10. Moosejaw

Specializing in outdoor gear and apparel, Moosejaw offers Affirm in their stores and at moosejaw.com. They carry top brands like Patagonia, The North Face, and Marmot. Use Affirm to finance hiking boots, tents, skis, and more.

11. REI

REI is the premier outdoor gear co-op, with168 locations across 38 states. The REI website offers Affirm on all purchases with no minimum amounts. You can also get pre-approved in the app and pay with Affirm at REI registers.

12. Soccer.com

Soccer.com equips players of all levels with footwear, equipment, and apparel. Affirm financing starts at just $50 on their website. It’s a great option for big purchases like goals, nets, and team uniforms.

13. Sportsman’s Warehouse

With 100+ stores in the western U.S., Sportsman’s Warehouse stocks hunting, fishing, and camping gear along with casual apparel. You can apply for Affirm financing in any store or online. It’s available for all purchase amounts.

14. The Sports Authority

Although Sports Authority went bankrupt in 2016, its online store lives on at thesportsauthority.com. The ecommerce site offers top brands and everyday low prices. Affirm financing starts at just $50 online.

15. Zumiez

Zumiez brings action sports apparel and equipment to over 700 retail stores. They carry top skateboard, snowboard, and surf brands. Zumiez offers Affirm both online and in stores with flexible 3-12 month repayment terms.

So next time you need some new gear, don’t let budget limitations hold you back. Apply for Affirm financing so you can get what you need today and pay over time. With affordable monthly payments, you can break up the cost of those big sporting goods purchases.

Tips for responsible use of buy now, pay later financing

Buy now, pay later (BNPL) services like Affirm, Afterpay, and Klarna are exploding in popularity. These financing options allow you to split up payments on purchases instead of paying the full amount upfront. While BNPL can provide flexibility, it’s important to use these services responsibly.

Follow these tips to make sure your BNPL habits don’t spiral out of control:

Understand how it works

With BNPL, you typically pay a portion of the purchase amount as a down payment, then the rest is broken into fixed installment payments. Retailers partner with BNPL providers to offer this financing at checkout.

Be sure you know the repayment terms, like the length of time you have to pay it off, payment due dates, fees for late or missed payments, and any interest charges. Read all disclosures carefully before committing.

Set a budget

It’s easy to overspend when you don’t have to pay the full amount immediately. Before using BNPL, determine how much you can realistically afford for repayments. Factor in your other expenses and financial goals.

Stick to retailers and items that fit within your BNPL budget. Avoid the temptation to overspend just because you don’t have to pay it all today.

Limit open BNPL plans

Don’t take on too many open BNPL payments at once. Most experts recommend keeping it to one or two plans at a time. Otherwise, the repayments can pile up and become unmanageable.

Pay off your existing BNPL balances before financing another big purchase. Consolidate plans when possible for simplicity.

Automate payments

Don’t risk forgetting payments and getting hit with fees. Set up autopay through your BNPL provider’s website when available. Or schedule repeating reminders and calendar alerts for payment due dates.

Authorize your BNPL provider to debit your account automatically each billing cycle. This ensures on-time payments even if you forget.

Track your spending

Apps like Affirm and Afterpay show you your repayment schedules and balances. Use them to monitor your BNPL spending instead of ignoring it.

Review all your open BNPL plans regularly as part of your budget check-ins. Identify areas to cut back if it becomes overwhelming.

Pay more than the minimum

To pay off BNPL plans faster, pay more than the scheduled installment when possible. Even an extra $10 or $20 can make a difference, reducing your repayment period.

On longer 6 or 12 month terms, try doubling up payments in low-expense months. Pay ahead to get freedom from payments sooner.

Avoid deferred interest deals

Some BNPL offers have no interest as long as you pay on time. But others charge all the deferred interest retroactively if you miss a payment. Read the fine print to understand the true cost.

Consider a credit card or personal loan if you may carry a balance past the promo period. Deferred interest BNPL is risky if you’ll struggle with repayments.

Factor it into your credit limit

BNPL plans don’t require a credit check or show up on your credit report. But overloading on BNPL debt can indirectly impact your credit through higher utilization.

Treat your BNPL repayment amounts like credit card balances when managing your overall usage. Keep your credit card spending low in months with BNPL payments.

Build emergency savings

Using extra cash to pay off BNPL plans faster prevents getting caught without enough savings. Have at least 3-6 months’ expenses banked for emergencies.

If money gets tight, your emergency fund can cover BNPL payments to avoid late fees or other issues. Savings gives you flexibility if your situation changes.

BNPL services make financing big purchases more convenient. But always use them responsibly, within your budget. Monitor your spending, avoid piling up too many plans, and have a savings buffer for comfort.