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Financing with Affirm
Instant Loan Decisioning
Your Affirm account is created using your name, email, mobile phone number, birthday and last 4 digits of SSN. This combination helps Affirm verify and protect your identity.
Make Easy Monthly Payments over 3, 6, 12, 18 or 36 Months
Affirm loans are designed to be flexible to fit different budgets. For example, on a $1000 purchase, you may pay $87.92 for 12 months with a 10% APR. A down payment may be required. Actual rates will be shown at checkout. Rates are between 10-36% APR.
No Hidden Fees
Know upfront exactly what you will owe, with no hidden costs and no surprises. No late fees, no prepayment fees, no annual fees, and no fees to open or close your account.
Safe and Secure
Affirm connects directly to online stores. There is no card number to steal, so your account stays secure.
How it Works
- 1. Add items you wish to purchase to shopping cart
- 2. Complete checkout and select “Monthly payments by Affirm” for payment method
- 3. Make easy monthly payments to Affirm
Frequently Asked Questions
What information does Affirm require?
Your Affirm account is created using your name, email, mobile phone number, birthday and last 4 digits of SSN. This combination helps Affirm verify and protect your identity.
How do I pay may bills ?
You can pay your Affirm bills online at www.affirm.com/pay. They accept payment by debit card, bank transfer and check.
Does creating an Affirm account or checking eligibility affect my Credit?
No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre-qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information at Affirm's Help Center.
Can I return products purchased with Affirm?
Yes, products purchased using Affirm as a payment method can be returned the same as any other payment method. All returns are subject to our return policy. Refunds are applied to your Affirm balance.