Mom holding baby wearing an Esembly Outer in Botanic Garden (a hand painted floral print)
Mom holding baby wearing an Esembly Outer in Botanic Garden (a hand painted floral print)

0% Interest Financing

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How it Works

Cloth diapering with Esembly can save you thousands of dollars over time—but we know the initial investment can be a hurdle for some—especially in today’s economy. Too often, families who would benefit most from the long-term savings of cloth end up choosing disposables simply because of the lower monthly outlay (even though the recurring cost of disposables adds up to far more than cloth diapers in the end).

That’s why we’re thrilled to offer interest-free monthly payments through Affirm! Now you can get everything you need to cloth diaper your baby and pay over time with no interest or fees. Best part?
Your monthly payments will be approx 30% LESS than what you’d otherwise be spending on disposable diapers.


Cost Comparison

Comparison chart of upfront and monthly costs for Esembly cloth diapers and wipes versus disposables.

You could be saving hundreds of dollars in your baby’s first year alone — all while lowering monthly diaper spend! And because Esembly diapers are made to last, you can save and use them on future babies, multiplying your savings.

Frequently Asked Questions

At checkout, select Affirm as your payment method. You'll be redirected to Affirm, where they will ask for your name, email, DOB, last 4 of SSN to check that you are eligible (see question below for more details on qualification). You'll then select whether you want to spread your interest-free payments over 3 or 6 months. Once confirmed, your Esembly order ships—and Affirm handles the rest!

Short answer: Yes.
Long answer: Our payment plan is powered by Affirm, and they handle approvals using a mix of factors like credit history, credit score, and any past experience you may have had with Affirm.
Please note: If you have been declined by Affirm in the past, please DO NOT let that stop you from trying for ours. We spent months working on a custom agreement with them, one where we pay higher merchant fees in order to help get more customers approved. What that basically means is that we’re sharing the risk with Affirm, so families who might not otherwise qualify still have a chance at 0% financing.
It’s not a flawless system—some borrowers will still be declined—but we’re committed to doing everything we can to make cloth diapering affordable and accessible. And we’ll keep pushing for even broader access as our partnership with Affirm grows.

Yes, only orders of $200 or more qualify for the payment plan option.

You sure can! Just be sure that your order total is $200 or more after all discounts have been applied.

Absolutely! You can pay off your Affirm plan anytime without penalty.

Nope. Affirm doesn’t charge late fees, annual fees, pre‑payment fees, or surprise charges of any kind. What you agree to at checkout is what you pay.

Performing a soft credit check (for eligibility) does not affect your credit score. Only if you miss payments or default will it be reported to credit bureaus.

You must be 18+ with a valid U.S. address and mobile number. While most customers are approved, eligibility depends on Affirm’s review.

Affirm sends email and SMS reminders before each installment due date. You can pay online or via the Affirm app using bank transfer, debit card, or credit card.

Refunds are processed similarly to credit cards. Partial refunds apply in reverse order to your payments. If you cancel or return your order, Affirm automatically adjusts your payment schedule.

For assistance, visit Affirm’s Help Center. We’re also happy to try to answer any questions directly here at Esembly!