No. You will never be charged a late fee with Affirm financing, guaranteed. No matter the circumstance, the Affirm pledge is to work with you and never charge additional fees if you need more time to pay. However, while you won’t be charged any late fees, missed or partial payments can damage your credit score and make it more difficult to get a loan with Affirm in the future. Setting up autopay and creating a budget can help you make on-time payments and afford the products you’re purchasing.