Cloth diapers can save families $2,000 (or more!) compared to disposables — but the upfront cost is a common barrier. That's why we're thrilled to offer interest-free payment plans through Affirm, so you can buy your cloth diaper stash today and pay less per month than you would on disposables.

This has been close to our hearts since we first launched Esembly in 2020. While cloth diapering with us saves families thousands of dollars over time, we know that the upfront investment in cloth diapers can be a hurdle for some families—especially in today’s economy. Too often, families who would benefit most from the long-term savings end up choosing disposables simply because of the lower monthly outlay (even though the recurring cost of disposable diapers and wipes adds up to far more than cloth in the end).

That’s where our new payment plan comes in!

You can now purchase everything you need to cloth diaper your baby and pay it off over 6 months, 100% interest-free. Best part? Your monthly payment will be LESS THAN of what you'd typically spend on disposable diapers and wipes each month.

Our plan is totally free for you to use and super simple to set up—just choose Affirm at checkout and follow the prompts. It’s simple, transparent, and free to use. No interest. No hidden fees. Just an easier way to get started and begin saving money (and the planet) from day one.

From laundering to pricing, our whole system was designed to be approachable and affordable, without compromising on our standards of quality and sustainability.

Disposable diapers may look cheaper in the moment, but they’re a money pit long-term. The average family spends $3,000 - $5,000 per child on disposables and wipes from birth to potty training. (check out the math in this blog post!) And as prices continue to rise, that number will only climb higher.

By contrast, an Esembly cloth diaper stash for birth to potty training costs around $800 (less if you shop sales or discounts) and now, with our payment plans, you can spread that out into easy monthly payments – again, at about 30% less than what you’d be spending on disposables anyway.

Getting started is simple. Here's how it works:

1. Add your items to cart. Build your cloth diaper stash — your order just needs to be $200 or more after discounts to qualify. (Use our handy quiz if you need help building your cloth stash!)
2. Choose Affirm at checkout. Select Affirm as your payment method and follow the prompts — it only takes a minute.
3. Pick your plan. Split your total into 3 or 6 monthly payments, both completely interest-free.
4. Your order ships right away. Affirm handles the billing from there — you'll get friendly email and text reminders before each payment.
5. Pay your way. Make payments online or in the Affirm app via bank transfer, debit, or credit card.

No hidden fees. No late penalties. No surprises — what you see at checkout is exactly what you'll pay.

Does Affirm affect my credit score?

No. Affirm only runs a soft credit check to confirm eligibility, which does not impact your credit score. And thanks to our special partnership with Affirm, more families qualify through Esembly than they might through other retailers.

👉 Have more questions about qualifications, savings, or early payoff? See our full Affirm FAQ here.

Short answer: no, so don't let this deter you from waste-free diapering! And trust us, we know a lot about cloth diaper laundry. Before launching Esembly, our team ran a busy cloth diaper laundry service for over a decade. That means when we built our wash routine, we weren't guessing. We took everything we learned from thousands of loads and rolled it into a simple 2-step process any parent can follow: How to Wash Diapers: The Esembly Way.

Washing cloth diapers uses about the same water and energy as a few extra toilet flushes per day — that's it. A couple of extra loads per week, and you're done. You can even toss in household laundry to make the most of each cycle.

For families choosing eco-friendly diapering, this is one of the most common hesitations — and one of the easiest to put to rest. The environmental footprint of laundering at home is genuinely minimal, especially when you consider that disposable diapers send an estimated 3,500 diapers per child to the landfill. Choosing reusable, zero waste baby products doesn't have to mean more work. It just means a slightly different routine — one that most families say quickly becomes second nature.

Cloth diapering is one of those decisions that just keeps giving back. You'll spend less over the years, send fewer bags of trash to the landfill, and keep your baby snuggled in soft, breathable cotton instead of plastic disposables. And because we've partnered with Affirm, you can spread out the upfront cost into manageable, interest-free payments — so you start saving from the very first diaper.

Whether you're cloth diapering full-time or just dipping your toes in part-time, every change makes a difference. With diapers designed to last from the newborn stage all the way through potty training — and beyond, for baby #2 and #3 — it's a choice that supports your baby, your family, and the planet. That's the kind of triple win we love to celebrate. 🎉

Frequently Asked Questions

How long do Esembly cloth diapers last? Esembly diapers are designed to last from the newborn stage through potty training — typically 2 to 3 years. Because they're made to be durable and reusable, many families use the same stash for a second or third child, making them one of the most cost-effective baby purchases you can make. 

Can I use cloth diapers part-time? Absolutely. Many families start part-time — using cloth diapers at home and disposables when out and about — and work their way up from there. Even part-time cloth diapering reduces waste and saves money, so there's no wrong way to get started.

What is the minimum order for Affirm financing? Your order needs to be $200 or more after discounts to qualify for our interest-free payment plan through Affirm. From there, you can split your total into 3 or 6 monthly payments with no interest, no hidden fees, and no impact to your credit score.