Affirm Holdings, Inc. announced today a new partnership with Ace Hardware, the world’s largest hardware cooperative, to offer a pay‑over‑time option for customers shopping in‑store. The deal extends affirm’s payment network to more than 5,200 Ace locations, most of which are independently owned and operated, giving consumers a flexible and transparent way to finance home‑improvement, lawn, and backyard projects.
Under the partnership, Ace customers can scan a QR code at checkout to undergo a quick, real‑time eligibility check. Approved consumers are presented with payment terms upfront, with no late fees or hidden charges, and can finance purchases starting at $50. The integration is designed to provide a frictionless checkout experience that mirrors affirm’s online model while reaching a new customer base in physical retail.
This partnership adds a substantial new merchant channel to affirm’s portfolio, which already includes over 375,000 retail partners such as World Market, Williams Sonoma, and Pottery Barn. By expanding into the hardware sector, affirm taps a high‑spend category where consumers often need financing for larger purchases, potentially driving higher transaction volumes and reinforcing its position as a leading buy‑now‑pay‑later provider.
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