When you add a new phone to your cart on the Boost Mobile website, select Affirm as your payment method at checkout. You will be prompted to provide some basic information for a real-time decision. If approved, you can select a payment schedule—typically 3, 6, or 12 months—and complete your purchase immediately.

To get the lowest combined monthly price, select your preferred device, pair it with our $25/mo Unlimited Plan and choose Affirm at checkout. Opt for the 24-month financing term to secure the lowest monthly device payment.

Checking if you pre-qualify or viewing your purchasing power with Affirm will not affect your credit score. However, once you complete a purchase and open a loan, Affirm may report your repayment history to credit bureaus, which means late or missed payments could impact your credit.

Depending on your credit profile, you may qualify for 0% APR or an interest-bearing loan (typically 10–36% APR). Affirm is strictly transparent: they do not charge late fees, prepayment fees, or any hidden costs. The exact dollar amount of interest you will pay is calculated and shown upfront before you finalize the checkout.

No. While your device is financed over 24 months, the $25/mo Unlimited Plan itself requires no contract.

No. Affirm financing is specifically designed for hardware purchases, such as cell phones and eligible accessories. Your monthly prepaid mobile service plan is billed separately through Boost Mobile.

Your device payments are managed entirely through Affirm, not Boost Mobile. You can make payments, check your balance, and set up AutoPay directly in the Affirm mobile app or at Affirm.com using a linked bank account or debit card.

Yes. You can pay off your remaining Affirm balance at any time. Because Affirm calculates interest upfront based on your schedule, paying early means you won't incur any prepayment penalties, and you may even save on unaccrued interest depending on your loan terms.