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What is Affirm?

Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers instant financing for online purchases to be paid in fixed monthly installments.

Why Affirm? Smooth And Simple Process 

We partnered with Affirm to provide an easy payment option at checkout. Affirm is the smartest way to pay over time. Pay at your own pace without any fees, so you can get the things you love without breaking your budget. With Affirm, you’ll never owe more than you agree to up front. Instead, you’ll always get a flexible, transparent, and convenient way to pay over time.

Affirm doesn't charge fees at all. Which means they won't charge you on late fees. If you so happen to pay late, it will roll over to the next month.

What happens when you continuously miss payments? Affirm will take this into account when deciding whether to approve you for future Affirm loans. Late or non payments will be reported to Experian which will result in damage to your credit score. If you do not make your payments for more than 120 days, Affirm may report a charge off to your loan.

Charge Off: A charge off is one of the worst items you can have on your credit report. This happens when you fail to make a credit card payment for several months. 

Pay over time with 8 weeks, 6 month, 12 month, 24 month, and 36 month financing options.

Loan Example: A $2,000 purchase might cost $166 a month over a 12 month period at 0% interest rate. 

• APR rates from 0% - 30%
• No impact on credit score to check eligibility
• No hidden Fees - what you see is what you pay
• No late fees
• No pre payment fees - no penalties on early payments 
• No annual fees
• No fees to open or close your account
• Set up easy, automatic payments
• Receive monthly bill reminders

Choose Affirm at checkout as your payment option and you are on way to financing your order!

Affirm Account Requirements 

To be approved with Affirm, You must:

• Be 18 years or older 
• Provide a valid US home address
• Provide US mobile number. Phone account must be registered in your name. 
• Provide full name, email address, date of birth, and last 4 digits or social security number. Social security number is to help Affirm identify your identity. 

How Does It Work?

Choose Affirm at checkout as your payment option 

To ensure you're the person making the purchase, Affirm will send a text message to your cellphone with a unique authorization code. Enter in your unique code once received. Never share your authorization code with anyone via call or text.

After entering authorization code, Affirm will ask basic information about yourself. Example: name, number, email, date of birth, and last four digits of social security number. This information must be from the purchaser. 

1. Select the loan that fits your budget
2. Then complete the application  
3. You will get an instant approval or disapproval decision. Affirm states the amount of your fixed, monthly payments and total amount of interest you'll be paying over the course of the loan.
4. If you are happy with the financing offer, simply click on "confirm Loan" and that's it!
5. After your purchase, you will receive set reminders and notifications via email and text message

Making Your Payments 

Manage all monthly payments at Affirm Sign In or download the Affirm App for android or iPhone users. We prefer downloading the app so you have easy access at all times.

Be sure to set auto pay to avoid any missed payments - Highly recommend 

Your first monthly payment is due 30 days from the date we complete your order.

Safe and Secured 

Affirm uses high levels of security to ensure your account is protected at all times. When you share your personal information, it’s transferred with TLS, a cryptographic protocol, then stored with AES 128-bit or higher encryption at rest.

Affirm stores encryption keys at an off-site facility. Access to your data requires multi-factor authentication and is restricted to authorized personnel performing specific tasks at your request.

 Each year, Affirm participate in legal and security trainings.

 Frequently Asked Questions 

 

Will this affect my credit score? 

Affirm will do a soft credit check which verifies your identity but does not affect your credit score. 

 

What are the fees?  

The APR ( annual percentage rate ) ranges from 0% - 30%. Depending on which loans you are qualified for, You can expect to pay no interest. Affirm does not charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account. Depending on the size of your purchase and where you’re shopping, your payment plan may include interest. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.

How Can I Reach Affirm?

You can reach Affirm anytime at (855) 423-3729

Contact Affirm - Affirm Help Center 

Download the Affirm App for 24/7 live chat.