Amazon Pay adds Buy Now, Pay Later to Affirm

Affirm’s buy-now, pay-later technology is now available through Amazon Pay in the US, the online retail giant announced on Wednesday. Merchants can add the Affirm option to their Amazon Pay button so that customers can use BNPL’s choice.

Affirm, whose app CNET recommends as BNPL’s best app for most buyers, says 16 million people actively use its service. The offer gives you bi-weekly and monthly payment options starting at 0% APR, and will be available through Amazon Pay for purchases over $50.

Amazon Pay is available for Prime customers. If you visit a website with an Amazon Pay button, you’ll be able to click it and use whatever address and payment methods you already have stored in your Prime account.

Read more: Buy Now Pay Later Credit Cards: Which Is Right For You?

If you want to use Affirm when you buy something through Amazon Pay, you’ll have to go through a quick approval process the first time, which ensures that Affirm can give you a loan. Affirm says the process is free, real-time and has no impact on your credit score.

As credit card debt mounts and interest rates remain high, Affirm can be a good way for you to avoid debt by using buy now pay later to slowly pay off larger purchases at a lower interest rate .

Here’s why you should consider buy now, pay later plans if you can and what you need to know about how BNPL plans work.