Costco members in the UK can now pick Affirm at checkout on Costco’s website and spread a purchase across monthly payments, either interest-free or interest-bearing. Affirm decides on each transaction in real time and approves a shopper only after judging that they can repay, and it charges no late fees. The two have run the same arrangement in the US since 2025, which Affirm says several hundred thousand Costco members have used. The UK version covers online orders only and runs a credit check and sets a minimum basket, with Affirm UK regulated by the Financial Conduct Authority.
